Normally on these types of Toyota leases the paper is being held by TMH with a subsidized residual and subsidized interest rate. They give these ridiculous rates and residuals up front to bring down the monthly cost of the equipment, then backcharge for everything in the end to make up for lost profit. There are some car companies known for this practice as well which is where car leasing originally got it's bad name. Toyota is not one of the car companies.
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