<prompt> Human: Read an article that talked about how Uber would be offering leases to their drivers to purchase used cars, with weekly payments auto-deducted from their pay-checks.I went here and converted it into a secured loan, because thats what I know. Also, article and articleGrab a handy financial calculatorLook at the 2013 Toyota Corolla. 116 weekly payment is the same as 502 monthly payment. 116 52 12 502Three year term.KBB says its a 10k car, so lets pretend its a 10k loan amount, and once done paying you own the thing in the clear.Solve for interest rate.Interest rate is 43.544!I have never leased a car, always just paid cash and if that meant I drive a clunker... great, I drive a clunker. Never made sense to me to finance a depreciating asset, and I cant help but think that leasing is a form of financing. Have literally never been in a car dealership FI office.OK, but Uber says you get goodies that come with the lease. Lets value those goodies at 3k and tack that onto loan balance. 22.819, so still crazy considering that its doubly secured debt car is security they garnish your paycheck for additional security.Both numbers, 43.544 and 22.819, have me a bit aghast. What am I missing here? Can someone give me what lease terms might look like for creditworthy scenarios or volunteer your lease terms?  <response>: The Uber subprime lease is supposed to be a terrible value.On the other hand, would you take someone who has no assets of any sort, no job, no income, nothing other than I guess I can drive for Uber, and give then 10,000 to buy a car you know theyre going to mutilate in only a couple of years for a measly 5 return? No! Of course not! These people arent credit-worthy at all. Theres a good chance you wont get repaid.Youre only going to lend money to these people if you can make a healthy return. 