Should I buy or lease a Mercedes Benz?

Hi!

I’m planning to buying a new Mercedes Benz 2024 c class sedan this weekend that costs roughly 50k. After selling my old car, I have collected 30k for a down payment. I’m in the market to find a good auto loan rate and the lowest I can get is 5.24-5.89% for 36 months. My Chase bank gave me 7.24% for 36 months.

I called my dealer and he said that if I do a lease with Mercedes Benz then I can get 4.78% for 36 months. He also mentioned that I can pay less on tax because I wouldn’t have to pay 12% upfront. He mentioned that since my tax will be divided up each month, in the end, I will be paying less in tax overall. He also mentioned that this will save me more since I’ll have the option to purchase the car when the lease is up (which is nice since I was going to purchase the car anyway).

I’ve been reading online that lease is the worst way to purchase a car. But in my case, it doesn’t seem that bad.

I’ve read some posts saying not to put a big down payment on a lease, but I’m not sure why…

Is lease still the worst option for me? Would I save more if I purchase the car before the lease is up?