Leasing Market Evolution in Romania Compared to the Evolution of Consumer Loans

The emergence of leasing operations was determined by the fast pace of trade, supply, and demand, technical progress, which involves immediate decisions and investments. As a financing instrument, leasing can only be efficient and modern if it differs in speed and advantages over other forms of financing investment objects and the purchase of durable goods. In the literature, the benefits of the leasing financing operation are treated extensively. Its assessment is based on quantitative and qualitative factors, which tip the balance in favor of leasing. Many customers face difficulties when it comes to buying a car. They are confused when choosing between leasing and credit, not knowing which method is the alternative. Regardless of how the car is purchased, the cost must be minimal, while the cost-quality ratio is as balanced as possible.