But long loans can be risky, and these buyers might find leasing to be a better option

• If you don’t maintain the vehicle in good condition, you’ll have to pay excess wear-and-tear charges when you turn it in. So if your kids are apt to go wild with Magic Markers or you’re a magnet for parking lot dents and dings, be prepared to pay extra.

• If you decide that you don’t like the car or if you can’t afford the payments, it might cost you.

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