Why would anyone lease a car in this market. Lease rates are high and you have to bring a lot of money to the table. Money you will never get back becuase the bank owns the residual. Have you noticed how most if not all banks have pulled out of leasing cars. Its a bad deal. New car rates are around 5%, if you have good credit. You can put the same amount down as the lease ask yo to do and you own it in the end. Your payments may be higher but the Toyota will be an asset if you pay it off in 3 to 4 years.