<prompt> Human: Ive always financed my cars, but I have a friend who swears by leasing-to-own. She described her reasoning yesterday and made it sound great, but I was left thinking, whats the catch?Her reasoning: When leasing, your monthly payments are comparably lower for the duration of your lease than financing the same car would be. Then, once thats up, to own it, you can finance the remaining value of the car, which is less than the amount you wouldve been financing had you financed from the get-go. So in the end, the leasing-to-own route keeps monthly payments always lower than financing outright would be, both during and after the lease period. Beyond that, all maintenance is paid for during the lease as opposed to financing where its on the owner, so you save money there too.Sounds pretty good, but if this were correct, everybody would lease and no one would finance. So surely there are some drawbackstrade-offs to leasing-to-own. What are they? Is it bc you end up having payments for longer? Or do you end up paying more in interest?Im new to leasing, so can someone with experience weigh in? Thanks!Edit: The above example assumes the same car, to keep things constant. I know some leasers tend to go with fancier cars bc payments are lower during the lease.Edit 2: w large downpayment is in the title bc when I finance, I always make a large down payment to keep monthly payments low. So I had this in mind when comparing the two options. Didnt really explain that in the post, my bad.  <response>: leasing is the most expensive way to own a vehicle. It can make sense if you were planning to buy a new car every 2-3 years though. 