LeaseOrFinance.ca

The tool asks users to enter a vehicle’s make, model, year and trim, then gathers their annual mileage, province, down‑payment amount and credit‑score range. It pulls current Canadian manufacturer lease rates, OEM incentives, the Bank of Canada prime rate and historical depreciation data, runs province‑specific tax calculations (HST, GST, PST) and produces a single recommendation—either a financing term with interest rate and down payment or a lease term—within about thirty seconds. The result includes a scorecard and dealer tips but contains no upsells, referral fees or sponsorships.

It is aimed at Canadian consumers who are deciding between leasing and financing a car and want a data‑driven answer before visiting a dealership. By using live market data and Canadian‑only rates, it seeks to avoid the inflated costs that can arise from dealership‑provided calculators and to give users a clear, actionable option.

The service is presented as completely free, with no sign‑up, credit‑card requirement or premium tier, and it emphasizes independence from manufacturers, lenders and dealerships.