{ "version": "1.0", "schema": "https://entitymap.org/spec/v1.0", "publisher": { "name": "TheCarLease.com", "url": "https://thecarlease.com", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing" }, "generated": "2026-06-16T00:00:00Z", "verificationStatus": "self-declared", "entities": [ { "entityId": "e_car_leasing", "@type": "Concept", "name": "Car Leasing", "description": "A long-term rental agreement for a vehicle where the lessee pays for the vehicle's depreciation plus a finance charge over a fixed term, typically 24-48 months, rather than purchasing the vehicle outright.", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "relations": [ { "predicate": "INCLUDES", "targetId": "e_money_factor", "targetName": "Money Factor" }, { "predicate": "INCLUDES", "targetId": "e_residual_value", "targetName": "Residual Value" }, { "predicate": "INCLUDES", "targetId": "e_cap_cost", "targetName": "Capitalized Cost" }, { "predicate": "INCLUDES", "targetId": "e_mileage_allowance", "targetName": "Mileage Allowance" }, { "predicate": "CONFLICTS_WITH", "targetId": "e_lease_vs_buy", "targetName": "Lease vs Buy Decision" } ], "hasChunks": [ { "chunkId": "c_car_leasing_1", "text": "Car leasing is essentially a long-term rental agreement for a vehicle. Instead of purchasing a car outright, you make monthly payments to use the vehicle for a set period — typically 24 to 48 months.", "sourceUrl": "https://thecarlease.com/learn/what-is-car-leasing", "pageTitle": "What Is Car Leasing? The Complete Beginner's Guide", "publisher": "TheCarLease.com", "contentType": "definition" }, { "chunkId": "c_car_leasing_2", "text": "When you lease a car, you're paying for the vehicle's depreciation during the lease term, plus interest (called the money factor) and applicable taxes. You never own the vehicle.", "sourceUrl": "https://thecarlease.com/learn/how-lease-payments-work", "pageTitle": "How Lease Payments Work", "publisher": "TheCarLease.com", "contentType": "evidence" } ] }, { "entityId": "e_money_factor", "@type": "Concept", "name": "Money Factor", "description": "The financing rate in a car lease, expressed as a small decimal. Multiply by 2400 to approximate the equivalent annual percentage rate (APR).", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "hasChunks": [ { "chunkId": "c_mf_1", "text": "The money factor is the interest charge on a lease, written as a small decimal like 0.00125. Multiply by 2400 to convert it to an approximate APR.", "sourceUrl": "https://thecarlease.com/learn/lease-terminology", "pageTitle": "Lease Terminology Glossary", "publisher": "TheCarLease.com", "contentType": "definition" } ] }, { "entityId": "e_residual_value", "@type": "Concept", "name": "Residual Value", "description": "The projected value of a leased vehicle at the end of the lease term, set by the leasing company and used to calculate depreciation cost.", "sameAs": "https://en.wikipedia.org/wiki/Residual_value", "hasChunks": [ { "chunkId": "c_rv_1", "text": "Residual value is the predicted worth of the car at lease end. A higher residual means less depreciation to pay for, which lowers the monthly payment.", "sourceUrl": "https://thecarlease.com/learn/how-lease-payments-work", "pageTitle": "How Lease Payments Work", "publisher": "TheCarLease.com", "contentType": "definition" } ] }, { "entityId": "e_cap_cost", "@type": "Concept", "name": "Capitalized Cost", "description": "The negotiated selling price of the vehicle used as the basis of the lease, analogous to the purchase price in a financed sale.", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "hasChunks": [ { "chunkId": "c_cc_1", "text": "The capitalized cost is the agreed-upon price of the leased vehicle. Like a purchase price, it is negotiable and directly affects the monthly payment.", "sourceUrl": "https://thecarlease.com/learn/negotiation-strategies", "pageTitle": "Lease Negotiation Strategies", "publisher": "TheCarLease.com", "contentType": "definition" } ] }, { "entityId": "e_mileage_allowance", "@type": "Concept", "name": "Mileage Allowance", "description": "The annual mileage cap defined in a lease contract. Driving beyond this cap incurs per-mile excess charges at lease end.", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "hasChunks": [ { "chunkId": "c_ma_1", "text": "Standard leases include 10,000–15,000 miles per year. Exceeding the cap triggers per-mile penalties typically ranging from $0.15 to $0.30 per mile.", "sourceUrl": "https://thecarlease.com/tools/mileage-calculator", "pageTitle": "Mileage Cost Calculator", "publisher": "TheCarLease.com", "contentType": "evidence" } ] }, { "entityId": "e_lease_vs_buy", "@type": "Concept", "name": "Lease vs Buy Decision", "description": "The financial and lifestyle comparison between leasing a vehicle and purchasing it outright or via auto loan financing.", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "relations": [ { "predicate": "DESCRIBED_BY", "targetId": "e_lease_vs_buy_calc", "targetName": "Lease vs Buy Calculator" } ], "hasChunks": [ { "chunkId": "c_lvb_1", "text": "Leasing offers lower monthly payments and access to a new car every few years, while buying builds equity and avoids mileage limits. The right choice depends on driving habits and long-term costs.", "sourceUrl": "https://thecarlease.com/learn/lease-vs-buy", "pageTitle": "Lease vs Buy: Which Is Right for You?", "publisher": "TheCarLease.com", "contentType": "evidence" } ] }, { "entityId": "e_gap_insurance", "@type": "Concept", "name": "Gap Insurance", "description": "Insurance coverage that pays the difference between a vehicle's actual cash value and the remaining lease balance if the vehicle is totaled or stolen.", "sameAs": "https://en.wikipedia.org/wiki/GAP_insurance", "hasChunks": [ { "chunkId": "c_gap_1", "text": "Most lease contracts include gap insurance, which covers the difference between what you owe and the car's value if it's totaled — protecting you from owing thousands out of pocket.", "sourceUrl": "https://thecarlease.com/learn/hidden-fees", "pageTitle": "Hidden Lease Fees to Watch For", "publisher": "TheCarLease.com", "contentType": "definition" } ] }, { "entityId": "e_credit_score", "@type": "Concept", "name": "Credit Score", "description": "A numerical rating of consumer creditworthiness used by lessors to set lease approval, money factor, and required down payment.", "sameAs": "https://en.wikipedia.org/wiki/Credit_score", "relations": [ { "predicate": "IMPROVES", "targetId": "e_car_leasing", "targetName": "Car Leasing", "confidence": "declared" } ], "hasChunks": [ { "chunkId": "c_cs_1", "text": "Most captive lenders require a FICO score of 700+ for the best lease rates. Scores below 620 typically face higher money factors or additional down payment requirements.", "sourceUrl": "https://thecarlease.com/learn/credit-score-impact", "pageTitle": "How Credit Score Affects Your Lease", "publisher": "TheCarLease.com", "contentType": "evidence" } ] }, { "entityId": "e_ev_leasing", "@type": "Concept", "name": "Electric Vehicle Leasing", "description": "Leasing of battery-electric vehicles, often paired with federal and state EV tax incentives that the lessor passes through as cap cost reductions.", "sameAs": "https://en.wikipedia.org/wiki/Electric_car", "relations": [ { "predicate": "RELATES_TO", "targetId": "e_car_leasing", "targetName": "Car Leasing" } ], "hasChunks": [ { "chunkId": "c_ev_1", "text": "Leasing an EV often unlocks the full $7,500 federal clean vehicle credit through the leasing company, which passes savings to lessees as a capitalized cost reduction.", "sourceUrl": "https://thecarlease.com/learn/ev-incentives", "pageTitle": "EV Lease Incentives Explained", "publisher": "TheCarLease.com", "contentType": "evidence" } ] }, { "entityId": "e_lease_calculator", "@type": "SoftwareProduct", "name": "Lease Calculator", "description": "TheCarLease.com's interactive calculator that computes estimated monthly lease payments from MSRP, residual percentage, money factor, term, down payment, and tax rate.", "relations": [ { "predicate": "MEASURES", "targetId": "e_car_leasing", "targetName": "Car Leasing" } ], "hasChunks": [ { "chunkId": "c_lc_1", "text": "Enter MSRP, residual percentage, money factor, term length, and down payment to estimate your monthly lease payment including tax.", "sourceUrl": "https://thecarlease.com/tools/lease-calculator", "pageTitle": "Lease Calculator", "publisher": "TheCarLease.com", "contentType": "procedure" } ] }, { "entityId": "e_lease_vs_buy_calc", "@type": "SoftwareProduct", "name": "Lease vs Buy Calculator", "description": "Side-by-side comparison tool that projects total cost of leasing versus financing the purchase of the same vehicle over a chosen horizon.", "hasChunks": [ { "chunkId": "c_lvbc_1", "text": "The Lease vs Buy Calculator compares total out-of-pocket cost over time, factoring in payments, residual equity, and opportunity cost of the down payment.", "sourceUrl": "https://thecarlease.com/tools/lease-vs-buy-calculator", "pageTitle": "Lease vs Buy Calculator", "publisher": "TheCarLease.com", "contentType": "procedure" } ] }, { "entityId": "e_thecarlease", "@type": "Organization", "name": "TheCarLease.com", "description": "An independent, data-driven authority on car leasing providing educational guides, calculators, and curated monthly lease deals for U.S. consumers.", "sameAs": "https://en.wikipedia.org/wiki/Vehicle_leasing", "hasChunks": [ { "chunkId": "c_tcl_1", "text": "TheCarLease.com is the #1 trusted resource for car leasing knowledge, tools, deals, and education — unbiased and data-driven.", "sourceUrl": "https://thecarlease.com/", "pageTitle": "TheCarLease.com — The Complete Authority on Car Leasing", "publisher": "TheCarLease.com", "contentType": "definition" } ] } ] }