Straight-laced financial planners claim it “apocalyptic” and eager salesman lick their chops in anticipation, but it turns out that leasing a car isn’t the eternal sin that experts proclaim. Entering into a car lease has considerable restrictions: many dealers enforce mileage limits and require expensive insurance. But there are times when leasing a vehicle is both the responsible and smart choice. From avoiding debt to avoiding the mechanic, leasing a car has key advantages that lead to smooth sailing on the road. According to the Bureau of Transportation, 20 percent of all cars were leased as opposed to purchased in 2010. If you’re experiencing these circumstances, ignore the pundits and consider your leasing options before committing to a vehicle.

When Your Living Situation is Temporary

Whether it’s for a job or change of scenery, moving for a short period of time is filled with quick commitments that are best handled hassle free. Choosing a car, when buying new or used, is a significant decision that, if done correctly, calls for serious time and consideration. You may not have the luxury or desire to spend time shopping for a 5-10 year vehicle when you move into a new city temporarily, so leasing a vehicle is a viable option.

While you may not be investing your money, leasing payments are usually lower than loan payments, offsetting the cost of sometimes elevated auto insurance quotes, and it requires much less commitment to lease a vehicle that you’ll only be driving for a year. Many leased vehicles come with warranties, and if you’re car breaks down, you’ll have a rental until it’s repaired. Bottom line: When you temporarily move, convenience is paramount. Get in, get out and get moving with a leased vehicle.

When You’re Dependent on a Quality Vehicle

Fiscally, purchasing a used car with the same amount of money you would have used to lease a car is a wise decision. Outside factors can make the situation more murky, however. If the used car you purchase is reliable, your decision will appear wise. Not all used cars are created equal, though, and if you’re unlucky, you could find yourself searching in the future. A new 2013 BMW will prove far more trustworthy than a 1991 F-150 with eight previous owners and spotty maintenance records.

If you depend heavily on a reliable vehicle to execute work or family responsibilities, a used car can compromise your ability to follow through. Leasing a BMW is how most Bimmer drivers finance their new ride. Leasing a vehicle provides warranties and guarantees that you’ll be able to get around. Be sure to understand what you’re agreeing to in any lease, especially what’s covered in the event of breakdowns or needed repairs.

When You’re in Debt

At a time when debt looms over millions of Americans, it’s interesting that taking out a loan for a car is still deemed superior to renting a vehicle. Many who choose that path are looking for an online lender like OpenRoad Lending. There you can apply for a low rate car loan in just minutes and get your loan decision back in just a few minutes. Then, shop like a cash buyer with your eCheck in hand. Drivers with excessive debt may feel less inclined to dig a deeper hole when searching for a car. While leases may not be the most efficient way to build financial stability, it’s certainly a responsible way to avoid debt. Leasing critics say that if you can afford to pay monthly car payments, you can afford monthly loan payments, but lease payments are often less-expensive and might fit more comfortably within a budget.

It may not be an ideal option, but leasing a vehicle shouldn’t be seen as a death sentence.