I was considering leasing my FJ instead of buying. When I was quoted a money factor or .003 which is an APR equivalent over 7% it kind of made me mad. The payment on a 36 month lease was $100+ more than a 72 month purchase with 2.5% APR on a bank loan. Seeing that an FJ Cruiser will likely last 200K+ miles, I purchased. Why does Toyota insult the customer's intelligence with such absurd lease offers?