Buying a new Mercedes-Benz is exciting, but before you drive it home, there is an important decision to make. Should you lease or finance your next vehicle?
In 2026, more shoppers are weighing both options carefully. Leasing has become more popular thanks to shorter commitments, lower monthly payments, and the ability to upgrade sooner. Financing, however, remains the preferred choice for drivers who want long-term ownership and maximum flexibility. At Sears Imported Autos, we help customers understand both paths so they can choose the option that fits their lifestyle, driving habits, and financial goals.
Are More People Leasing Vehicles in 2026?
Yes, leasing has made a noticeable comeback in recent years. Industry data shows that leasing now accounts for roughly 24 percent of new vehicle retail transactions, up from about 19 percent the year before. This growth reflects renewed interest in flexibility and predictable payments as vehicle prices and technology continue to evolve.
Leasing is especially common among electric vehicle shoppers. In early 2025, more than half of new EV transactions were leases, and EVs represented nearly 20 percent of all leased vehicles nationwide. This trend is driven in part by incentives, rapidly changing technology, and the desire to upgrade more frequently. Leasing growth is also evident among Prime and Super Prime credit buyers, showing that leasing is no longer limited to a niche audience or a specific budget range.
Why Some Drivers Choose to Lease a New Mercedes-Benz
Leasing works well for drivers who enjoy driving newer vehicles and prefer shorter commitments.
Benefits of Leasing
Leasing a new Mercedes-Benz typically offers lower monthly payments compared to financing the same vehicle. Since you are paying for the portion of the vehicle you use during the lease term, costs are often easier to manage month to month.
Lease terms are usually 24 to 36 months, which allows drivers to upgrade sooner and stay current with the latest safety technology, design updates, and features. Many leased vehicles remain under warranty for most or all of the lease term, which can help reduce unexpected repair costs. Leasing is also appealing to drivers who prefer a simple transition into their next vehicle without worrying about trade-in value or resale.
Things to Consider Before Leasing
Leasing is not ideal for every situation. You do not build ownership equity, and most leases include mileage limits. Drivers who travel frequently or put on higher annual mileage may find these limits restrictive.
There are also wear-and-tear guidelines at lease end, which can matter for families or drivers with more active lifestyles.
Why Financing a Mercedes-Benz Still Makes Sense
Financing remains the most common choice for drivers who want full ownership and long-term value.
Benefits of Financing
When you finance a vehicle, it is yours once the loan is paid off. There are no mileage limits, no return conditions, and no restrictions on how long you keep the vehicle. Financing is often the better option for drivers who plan to keep their Mercedes-Benz for many years, drive higher mileage, or want the freedom to customize their vehicle. Over time, ownership can deliver more value, especially if the vehicle is kept well beyond the loan term.
Things to Consider Before Financing
Loan payments are usually higher than lease payments, and loan terms often extend 60 to 72 months or longer. Drivers should consider how long they plan to keep the vehicle and whether they want a longer financial commitment.
Should You Lease or Finance Your Next Mercedes-Benz?
The right choice depends on how you drive and what you value most.
Leasing may be a better fit if you:
- Prefer lower monthly payments
- Like upgrading every few years
- Drive a predictable number of miles annually
- Want to stay current with the latest technology
Financing may be the better option if you:
- Plan to keep your vehicle long-term
- Drive higher mileage
- Want full ownership and flexibility
- Prefer long-term value over short-term savings
At Sears Imported Autos, we help you compare real lease and financing scenarios side by side so you can make an informed decision with confidence.
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Compare Lease and Finance Options at Sears Imported Autos
If you are unsure which option fits you best, the Sears Imported Autos sales team is here to help. We take the time to explain your choices clearly and match you with a payment plan that supports your goals.
Whether you decide to lease or finance, a new Mercedes-Benz delivers the safety, comfort, and performance drivers expect. Contact Sears Imported Autos to explore your lease and financing options today.
