Originally Posted by mikey94025

My casual understanding over the years was that leasing cap cost reduction did not reduce finance/interest. I could very well be incorrect, so thank you for flagging.

1. https://www.automotivetrainingnetwor...cap-reduction/ : The primary advantage of Cap Reduction is that it reduces monthly lease payments by lowering the amount financed.
2. On the other hand, https://www.thecarconnection.com/car...nt-on-a-lease/ : Unlike an auto loan, where a down payment decreases the amount you borrow and therefore decreases the interest charges and overall cost, a down payment on a lease doesn’t decrease the cost of borrowing.

Regardless, when leasing always get, or verify you have gap insurance. Otherwise in the (unlikely) event of a total loss you will lose all your equity (your personal auto insurance only pays what you owe on the vehicle, not what the car is worth). Many auto make financing units, like VW/Porsche Credit, automatically include gap insurance in their leases. If not, adding gap insurance to your personal auto insurance policy is a very small amount.

Originally Posted by Nein_eleven

I used Affirm to finance my Porsche. No money down, 360 easy payments of $10k per month. The residual is 60% at the end of 360 months. I got the deal of the century!