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Can a Lender Refuse to Continue My Car Loan? Difference Between Car Loan And Car Lease. You can choose from different terms for a car lease, and you make monthly payments until the lease is over. Some people prefer short term leases of 2 to 3 years, so that they can switch to a new car or truck frequently. However, that means you need to pay more every month compared to a long term car lease.

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