Compare leasing vs. buying the 2025 Tesla Model 3 Performance. See estimated monthly payments, residual values, money factors, and a full cost comparison. Federal vehicle purchase credits are not included for current acquisitions.
Based on $2,000 down · California (7.25% tax) · Good credit (7% APR) · no federal credit
36-Month Lease
$836.15/mo
Total: $32,796
Manufacturer offers excluded
60-Month Finance
$1,128.21/mo
Total: $69,693
Income limits apply (§30D)
Cash Purchase
$58,977
~$983/mo over 5 yrs
Own outright — no payments
| Term | Money Factor | Equiv. APR | Residual | Acq. Fee |
|---|---|---|---|---|
| 24 mo | 0.00150 | 3.6% | 58% | $695 |
| 36 mo | 0.00125 | 3.0% | 52% | $695 |
| 48 mo | 0.00100 | 2.4% | 44% | $695 |
* Lease estimates based on typical manufacturer programs. Actual terms set monthly and vary by dealer.
A 2025 Tesla Model 3 Performance with $2,000 down costs approximately $836.15/month on a 36-month lease in California (before local taxes). This estimate excludes manufacturer incentives; your actual payment will vary.
No. Federal commercial and consumer clean vehicle credits generally do not apply to vehicles acquired after September 30, 2025. This estimate does not include a federal credit. Check any current manufacturer offer separately.
Leasing may make sense if you prefer lower monthly payments or a new vehicle every few years. Buying may make sense if you drive high mileage or plan to keep the vehicle for many years. Compare actual current offers and total costs.
Most leases include 10,000–15,000 miles per year. Excess mileage typically costs $0.15–$0.25/mile at lease end. If you drive more than 15,000 miles/year, consider a higher-mileage lease or financing. EV owners often drive fewer miles than gas car owners due to home charging convenience.
The 2025 Tesla Model 3 Performance has an estimated 52% residual value on a 36-month lease, meaning the leasing company projects it will be worth 52% of MSRP ($28,595) at lease end. A higher residual reduces your monthly payment.