<prompt> Human: Im looking to lease a 2018 Toyota Tacoma TRD Off-RoadHere are the numbers;MSRP : 38,607.00 ;Discount : 2,627.00 ;Selling Price : 35,980.00 ;Doc Fee: 80 ;Acquisition Fee : 650 ;License Fee : 499 ;Gross CAP Cost: 36,630 ;They want 1,135.55 Walk off which I understand but here is where it seems to get screwy in my eyes. Residual s ;MSRP : 38,607 ;ADJ MSRP 38,607 ;Residual : 28,569 ;Mileage : 12k ;Prepaird centsmile .10 ;ADJ Residual 28,569 ;Payments..Term is 36 months ;RateMoney Factor .00225 Which I believe is rather high given my credit score but I havent let them run my credit yet ; ADV Payment : 402.55 ;Total Cap Reduction : 99.22 ;Upfront Charges: 633.78 ;Initial Payment : 1,135.55 ;Due on Delivery : 1,135.55 ;Base Monthly Payment 367.63 ;Monthly Tax : 34.92 ;Payment 402.55 ;From what I know a money factor of .00225 is roughly a 5.4 APR in translation. Which leads me to believe I am getting screwed with the payments being so HIGH. Because Im roughly borrowing 8k of the truck for 13k which is an astronomical number.I know this is a long post but any advice I could receive would really be appreciated. Thank you Personalfinance  <response>: If its a lease, youre getting screwed. 