Deciding whether to buy or lease a new Ford can be a difficult choice. It is important to know the differences between the two options so you can figure out which is best for you. The benefit of a lease is that you only pay for the amount of the vehicle you use. The sales tax is included in the monthly lease payment, which is determined in part by a money factor that is much like an interest rate on a new car loan. Typically the first monthly payment is made when you sign the contract. Leasing is a great option for those near St. Petersburg, Florida who want lower monthly payments and a new vehicle every few years.