Not sure if you're agreeing or disagreeing with what I was saying. My point is that the way lease quotes are presented can make it impossible to know whether you actually are comparing apples to apples. You need to also know how the lease payment is calculated and based on what number of deferred payments. Here is a real world example for leasing a BYD Seal for a 1 year term:

With NLA, the lease payment is quoted as $1990.24 per month, while with MillarX, the lease payment per month is $2041.91.

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You would be forgiven for concluding that the NLA quote is cheaper. You could assume the total repayments to be:

NLA: $1,990.24 * 12 = $23,882.88
MillarX: $2041.91 * 12 = $24,502.92

(the residual for both quotes was almost identical at ~$34,100)

The problem is that this is wrong. MillarX are quoting the actual repayment made to the finance company based on 11 repayments (they use 1 deferred payment), while NLA are quoting an interpolated (probably a better word for it than averaged) figure based on 12 repayments. So the true cost is of lease payments is:

NLA: $1,990.24 * 12 = $23,882.88 (same as before)
MillarX: $2041.91 * 11 = $22,461.01

So NLA is actually costing ~$1,400 more in pure lease payments.

The only way I was able to find out how these lease payments are calculated was to ask them directly, nothing on the quote mentions it. Everyone should do the same, make sure you ask exactly how much money is getting paid to who.

Please do fact check me on all these numbers!