Depends on your circumstances, if you are some business man then taking hell amount of money out of your business is not a wise decision. You lease the car and invest rest of your money in business where it will yield you a profit equal to the value of that car or more, in two years. But if you are a salaried person, then you will end up paying more than half of the value of car in interest, and after 3 years or so you will be fed up paying instalments. This is why most of the people end up selling such cars without completing the purchase. So in this case upfront, though you may get Mehran and not Civic, is better option.