「新車か中古車購入で迷っているけど、なんかカーリースも良さそう…。」と悩んでいる方に向けて今回はカーリースを申し込むならこの会社というおすすめの会社を紹介します。
注意点や考え方も記載しておりますので、ぜひ読み進めて自分に合う車の持ち方を見つけてみてください。
1位:カルモ(契約年数が少ないので、初めての方でも安心!)
2位:三井住友オートサービス(全国約18,000の工場と提携した万全のネットワーク!)
3位:コスモスマートビークル(国産全メーカー・全車種から選べる!)
4位:カーリース・オンライン(リーズナブルな中古車もラインナップに!)
5位:もろコミ(すべてがもろもろコミコミの安心プラン!)
カーリースとは?
レンタカーみたいな不特定多数の人に貸し出すモデルではなく、一人の人に長い間貸すというモデルのレンタルサービスです。
- 頭金準備の面倒さ
- 常に新しい車に乗りたい
- いつまで車に乗るかわからないから定額支払って自分の納得する期間まで車に乗りたい
上記の考え方を持っている人にはオススメのサービスです。家もいきなり買うとなるとハードルが高いので賃貸にする人が多いと思いますが、車の場合もそのような考え方ができる時代になったということです。
ちなみにローンで購入するのと具体的にどう違うのか、簡単にご紹介しておきますね。
カーリース | ローン | |
頭金 | 基本的に0円 | 基本的には必要 |
車両代 | 毎月の支払い | 毎月の支払い |
税金 | リース会社が代行してくれる | 自分で支払う |
車検 | リース会社が代行してくれる | 自分でおこなう |
金利 | ローンよりも少し高め | ローン会社によって異なる |
お店での交渉 | 特になし | ローン会社によって異なる |
ガソリン代 | 適宜必要 | 適宜必要 |
メンテナンス | リース会社が管理してくれる | 自分ですべておこなう |
毎月のコスト | 毎月一定なので安心 | 時期によってかなり異なる |
このような違いがあるので、毎月の車に関するコストを極力抑えたい方には断然カーリースがおすすめです!
カーリースおすすめ業者を一気に紹介します
契約年数が少なくて安心!「カルモ」
カルモは株式会社ナイルが運営するカーリースサービスです。
最初の1ヶ月分は料金無料のため、月額料金が1ヶ月分無料、月一万円代から借りられる、と手厚いサービスが魅力です。
一ヶ月の支払いに税金なども全て含まれているので無駄なことを考えなくていいため面倒くさがりな方にはうってつけのサービスと言えます。
なによりカルモは正規ディーラーから届く車なので綺麗で安全です。いま、カーリースを検討している方には、カルモがダントツでおすすめです。
オススメポイント:一年契約も可能なのはカルモだけです!
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三井住友オートサービス
大手サービスで安心、対応車種の種類が豊富です。ETC・ナビ・バックカメラなどの純正オプション5点がリース代に含まれているため誰でも借りた時から利用開始することができます。
契約に関しては2パターン存在し、5年契約のCarsma5プラスと7年契約のCarsma7プラスとなります。ある程度長期のプランのみの提供です。中途解約の際は、料金が発生するので申し込みの際は注意してください。
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コスモスマートビークル
コスモ石油のカーリース事業です。国産の全車種に対応しており、誰でも簡単に乗りたい車を見つけることができます。
特徴としては、月々のリース代が高ければ高いほどそのガソリンの値引きがあり、ゴールドプランでは1Lあたり最大5円の値引きになります。コスモ石油での特典となります。
注意点は、月平均1,500kmまでという移動距離の縛りです。街乗りやファミリーの場合は問題ないと思いますが、もし長距離乗りたいというときは他社を検討しましょう。
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カーリース・オンライン
https://www.carlease-online.jp/
オリックス自動車が運営しているカーリース事業。リースの申し込みはネットで簡単にできるので、面倒な外出なしで新車に乗ることが可能です。
かなりリーズナブルな中古車も数多く取り扱っており、車に関するコストを極力抑えたい方にも嬉しい限り。
そして新車マイカーリースプラン「いまのりナイン」「いまのりセブン」、中古車マイカーリースプラン「ワンプライス中古車リース My Car」では、リース期間終了後そのまま車が自分のものに。
将来的に自分の所有車を持ちたい方におすすめのカーリースです。
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もろコミ(カーコンカーリース)
https://morokomi.carcon.co.jp/
もろコミは、カーコンビニ倶楽部が運営するインターネットでマイカーリースに申し込みができるカーリース事業。
「頭金0円」で、「登録時諸費用」や「車検基本料」「自動車税」、「自賠責保険料」「自動車重量税」すべてがもろもろコミコミの支払プランになっているので、初めてカーリースを利用する方でも安心です。
またカーナビやバックアイカメラを含んだ「カーアクセサリーセット」などのオプションプランもかなり充実していますよ。
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カーリースの際のメリットはこんな感じ!
メリットだらけなので、全てを紹介しづらいのですがその中でも良いものを紹介します。
無駄なお金が不要
まず何より無駄なお金が不要です。
- 頭金
- 自動車税
- オイル交換費用
- 車検
- 保険代
月額の支払い料金の中に入っています。追加請求などは基本的にないので、安心して申し込めます。今回ご紹介している会社は基本的に全て入っていますが会社によっては入っていないところもあるので注意しましょう。
利用手続きがとても簡単
カーリースサービスのほとんどはWEBでの手続きだけで申込みが完了します。
煩わしいディーラーめぐりをする必要がないので、お家でゆっくりと車種を検討し自分好みの車に容易く乗り始めることができますよ。
定額なので家計に優しい
月額が決まっているから、家計簿をつけたり自分の財布を気にしながらなんてことはありません。車を購入する場合は支払いが定額と言いつつ、数年、長くて10年以上支払わないといけないことがわかっているので意外とお金を気にして使わないと行けません。
リースの場合は契約期間も短いので安心して申し込むことができます。1年くらいの見立てであれば簡単にたちますし、使いすぎた場合もボーナスでカバーできますよね。
各メーカーの好きな車種、色を選べる
カーリースのイメージって、「たくさんの中から選べない!車種がダサい!」という感じでしたが今は少し違います。
新車をリースすることもできますし、会社によっては10社以上から探すことも可能なので車を買うのと変わらないくらい、むしろそれ以上の選択肢で乗る車を選ぶことができます。
カルモの場合は、上記のメーカーから選ぶことができます。サイトも綺麗なので、PCだけで借りたい車を気軽に選ぶことができます。
車を安全な状態で維持しやすい
車が趣味でない場合、日々の車の点検やメンテナンスはとても大変で億劫なもの。
しかしカーリースであれば、定期的なメンテナンスもすべてコミコミなので、車に詳しくない方も安全な状態の車を維持しやすくなっています。
購入ではないのでディーラーからの営業もなければ、車経費が無駄金になる可能性も少なくなる
車を買うか迷っている時のテスト運用としてカーリースが使えます。正式に車を買う前に自分がプライベートでどれくらい車を使うのかを正しく判断したいときにもリースは役立ちます。
よくあるケースとして、「車を買ったはいいがあまり乗らなかった」なんてことがよくあります。実際、その場合って無駄金になっているということなので相当損しています。またすでに車を持っているが乗る時と乗らない時があるので、何年もローンを払うのは馬鹿らしいと考えている方もいると思います。
そういう方も、今の車を売却しカーリースに切り替えて、改めて正式に車をもつかどうか決めることでコストを抑えられる可能性もあります。
デメリット
カーリースの場合のデメリットは以下の通りです。
車の改造ができない
これは、ほとんどの方がしないかと思いますので問題ないと思いますが、自分が乗る車だからカスタマイズしたいと言う方にはオススメできません。
そもそも改造をすると、車の価値が落ちやすいという面もあるので購入の際でも改造は検討してから行う方が良いです。
走行距離の指定
ほとんどのカーリース会社で、例外なく月の走行距離の指定があります。普通に使う分には全く問題ない縛りですが、会社によってはかなりきついものもあるので注意が必要です。今回ご紹介している会社は、ルールもゆるいところが多いのでご安心ください。
遠出ばかりはしないし、普通に乗るだけだよと言う方には、大きなデメリットはないのもカーリースの特徴です。
もし中途解約をする場合、大きなお金が必要になる
もしも事故などで車がダメになってしまった場合、カーリースの契約は強制的に中途解約になってしまいます。
すると未払いのリース料や残価をまとめて支払わなければならないので、まとまった大きなお金が必要になります。
万が一のリスクを回避するためにも、任意保険にもきちんと入っておいた方が良いでしょう。
カーリースを申し込む際のポイント・注意点
まずは月々の料金に、保険代が入っているかどうか?
月額の基本計算方針は、(車両本体価格-据置き額+諸費用)÷リース期間となります。この計算方式を理解してから申し込むのをおすすめします。
難しくてよくわからないという方は、申し込もうと思っているサイトに料金趣味レーション機能がついているので忘れずチェックしましょう。
月額が安いかどうか
店舗を持っている会社は、人件費がかなりかかるので月額が割高になります。可能であれば、ネットでのお申し込みができる会社を選んで節約しましょう。
今回ご紹介した会社は全てネット対応可能なサービスなので料金は安く抑えることが可能です。今時、店舗しかやってないところは人件費が高すぎて、こちらが申し込む時も割高になるのでおすすめしません…。
自分好みの車種がラインナップにあるかを確認
カーリースとは言え、自分の好みの車でなければ日々の運転を楽しむことはできません。だからこそ自分好みの車種がラインナップに含まれているカーリース業者を選ぶことが必要です。
今回ご紹介したカーリースサービスはどこも幅広いラインナップを取り扱っているので、きっとあなた好みの車が見つかるはずです。
メンテナンスサービスがついているかをチェック
車の維持にはオイルや消耗品などさまざまなコストがかかってしまうもの。
車にそこまで詳しくない方は、すべてがコミコミのメンテナンスサービスを取り扱うカーリース業者を選んだ方が、毎月の出費を一定にできて安心です。
車を持つ前にこそ、カーリースをした方がいい理由
車を初めて購入する人の中には購入後、「やっぱりいらなかったな….」となってしまっている方が多くいます。
これ、本当にもったいないです…。
これを止めるためだけにカーリースをおすすめしても良いと思います。また、年数回しか乗らないという方はカーリースではなくレンタカーを利用すると良いでしょう。
このように状況に合わせて利用することで、コストを抑えることが可能です。
まとめ:まずはカーリース料金シミュレーションをしよう
カーリースは現代の社会にマッチした素敵なサービスです。新車を購入しなくても新車にリース価格で乗れることから多くの方が利用しています。
今回オススメで紹介したカルモは一年契約で利用可能なので、迷っている方はぜひ申し込んでみてください。
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