Hello! I hope you guys are doing well! I came to new york city 2 years back, and since my childhood I liked cars, but unfortunately my financials werent much strong back at that time so I decided to save up and buy a good car.

Fast forward to 2 years I managed to save $25,000 and the thing is in my country you pay for your car fully upfront cash/check, So I had no idea new york had "financing" or "leasing" terms, I just kept on saving and its been recently I discovered these terms as one of my friend told. Now Im 20, Still in college, Permanent resident, 650+ Credit score but no income in the united states, its back at my country which is wire transferred through here, and the US dosent recognize this as a "valid" income as its in another country.

As I studied onto these terms, I found out leasing has alot of restrictions, like 10k mileage a year and no modifications which I plan to do, I could live with doing a few allowed modifications but all of these are on paper, I wanted to know actual review of leasing/financing advantages and disadvantages?

Another fact is since I have no income, Can I actually get into financing or leasing? My bank says they can give me highest $10,000 of loan. But what about leasing?

For the cars Im deciding between either a 2016 Honda Accord Sport or a Audi A4 2015/BMW 3 Series.
Can I also change a car? Like for example its been a year, I want another car now, what would happen if my finance/leasing agreement was for 2-3 years?

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class="Mb-20 Fz-18 Fw-300">Report Abuse</h2> <h3 class="Mb-10 Mt-21 Fw-400" id="usertexta">Additional Details</h3> <textarea aria-labelledby="usertexta" id="raata" rows="3" class="W-100 M-0 P-0 Maw-605 Bdx-1 Bdrs-0"/><p class="Mb-21">If you believe your intellectual property has been infringed and would like to file a complaint, please see our <a target="_blank" href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Finfo.yahoo.com%2Fcopyright%2Fus%2Fdetails.html%3Fpir%3Dwoxj.j1ibUnULFEIY6nyJQLxD.PLEphTPFivskb06cCK3lggdCqKTxtZqQ">Copyright/IP Policy</a></p> <p><span role="button" tabindex="0" class="Cur-p Ol-n D-ib Px-13 Py-6 btn-primary">Report Abuse</span></p> <p><span role="button" tabindex="0" class="Cur-p Ol-n D-ib Px-13 Py-6 btn-default">Cancel</span></p> </div><div id="racdiv"> <h2 class="Mb-20 Fz-18 Fw-300">Report Abuse</h2> <h3 class="Mb-10 Mt-21 Fw-400" id="usertextc">Additional Details</h3> <textarea aria-labelledby="usertextc" id="racta" rows="3" class="W-100 M-0 P-0 Maw-550 Bdx-1 Bdrs-0"/><p class="Mb-21">If you believe your intellectual property has been infringed and would like to file a complaint, please see our <a target="_blank" href="http://redirect.viglink.com?key=11fe087258b6fc0532a5ccfc924805c0&u=http%3A%2F%2Finfo.yahoo.com%2Fcopyright%2Fus%2Fdetails.html%3Fpir%3Dwoxj.j1ibUnULFEIY6nyJQLxD.PLEphTPFivskb06cCK3lggdCqKTxtZqQ">Copyright/IP Policy</a></p> <p><span role="button" tabindex="0" class="Cur-p Ol-n D-ib Px-13 Py-6 btn-primary">Report Abuse</span></p> <p><span role="button" tabindex="0" class="Cur-p Ol-n D-ib Px-13 Py-6 btn-default">Cancel</span></p> </div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a name="4" style="font-family:Arial, Helvetica, sans-serif;font-size:18px;" href="https://answers.yahoo.com/question/index?qid=20160807171818AAbKc16">Question: Bought a used car Sat & got financing, but never took possession of the car. Can I cancel the sale on Monday? Tips?</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;"> <span>Posted:</span> 07 Aug 2016 05:18 PM PDT</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000;"><div id="">In most states, the deal isn't done until you take possession of the vehicle (drive it off the lot). Being that you signed on Saturday, your financing probably hasn't been approved yet through the dealer's bank or finance company. Call them and cancel.<p>You didn't say what kind of dealer you bought from but if it's a scumbag buy-here-pay-here dealer and you signed finance papers, that dealer will pull every trick and tell every lie he knows to save the deal, but if your state is one of those that requires taking possession, you can simply walk away.</p></div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a name="5" style="font-family:Arial, Helvetica, sans-serif;font-size:18px;" href="https://answers.yahoo.com/question/index?qid=20160807171652AARjQQZ">Question: Can I buy a roughly $30,000 car from a person and put down $15,000 and pay off the rest? How would it work?</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;"> <span>Posted:</span> 07 Aug 2016 05:16 PM PDT</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000;"><div id="">NEVER EVER go into a payment agreement with an individual seller. These kinds of deals nearly always go bad, with serious results.<p>If you need a loan, you do it the right way -- you get a loan from a bank. However, since you are just 18 years old and have no credit, you will have problems with getting a loan. However, with such a large down payment, you might have a chance. You may have to check with several banks or credit unions.</p></div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> <tr> <td style="margin-bottom:0;line-height:1.4em;"> <p style="margin:1em 0 3px 0;"> <a name="6" style="font-family:Arial, Helvetica, sans-serif;font-size:18px;" href="https://answers.yahoo.com/question/index?qid=20160807170227AAkEHj6">Question: Can I buy a roughly $30,000 car from a person and put down $15,000 and pay off the rest? How would it work? And is it possible?</a> </p> <p style="font-size:13px;color:#555;margin:9px 0 3px 0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;"> <span>Posted:</span> 07 Aug 2016 05:02 PM PDT</p> <div style="margin:0;font-family:Georgia,Helvetica,Arial,Sans-Serif;line-height:140%;font-size:13px;color:#000000;"><div id="">I did that for my last car. I paid the balance off in 12 months.<p>All you need to do is get a loan, pay them off and then owe the bank every month.</p><p>It sounds like the seller will take payments. He needs you to sign a contract to pay off the balance, etc.</p></div><img src="http://pixel.quantserve.com/pixel/p-89EKCgBk8MZdE.gif" border="0" height="1" width="1" /></div> </td> </tr> </table> <table style="border-top:1px solid #999;padding-top:4px;margin-top:1.5em;width:100%" id="footer"> <tr> <td style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;">You are subscribed to email updates from <a href="https://answers.yahoo.com/dir/index?link=list&amp;sid=396545312&amp;tab=recent">Cars & Transportation: Buying & Selling</a>.<br />To stop receiving these emails, you may <a href="https://feedburner.google.com/fb/a/mailunsubscribe?k=76t7Ax45rR4n_8w7t3fYaT0U7Us">unsubscribe now</a>.</td> <td style="font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;text-align:right;vertical-align:top">Email delivery powered by Google</td> </tr> <tr> <td colspan="2" style="text-align:left;font-family:Helvetica,Arial,Sans-Serif;font-size:11px;margin:0 6px 1.2em 0;color:#333;">Google Inc., 1600 Amphitheatre Parkway, Mountain View, CA 94043, United States</td> </tr> </table> </div> </div> <div class='post-footer'> <div class='post-footer-line post-footer-line-1'> <span class='reaction-buttons'> </span> <span class='star-ratings'> </span> </div> <div class='post-footer-line post-footer-line-2'> <div class='post-share-buttons goog-inline-block'> <a class='goog-inline-block share-button sb-email' href='https://www.blogger.com/share-post.g?blogID=8767538621307230941&postID=2226434445532020722&target=email' target='_blank' title='Email This'> <span class='share-button-link-text'> Email This </span> </a> <a class='goog-inline-block share-button sb-blog' href='https://www.blogger.com/share-post.g?blogID=8767538621307230941&postID=2226434445532020722&target=blog' onclick='window.open(this.href, "_blank", "height=270,width=475"); 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