I have a Red Carpet lease. I would have preferred to buy, but I took what I could get to get the car we wanted. The APR is 4.9 percent -- at least, that's whatever the lease equivalent of a finance charge is. I guess I'd rather have that than purchasing through a finance company or subprime lender at double-digit rates. Adding the total of the payments plus the purchase price at lease end (when I can better afford to buy the vehicle) isn't that much more than the original price of the car, so it still seems like a pretty good deal. Again, it's seems like a lot less than what I would have paid if I had bought a car using a subprime lender. (Of course, purchasing with a good lender would have been even better.) Also, my credit report lists the car's price as my tradeline. Curious for your thoughts and insights. Thanks in advance.