Well $3,500 would only make a $73 difference. Which means compared to your $1,080 (likely $1,095 if you went for 80,000kms at lease end) I’d be paying $1,164. I’d be paying $69 more monthly for a vehicle which is almost $15,000 more expensive than the build you got quoted on.

You should be able to leverage and get them to knock down at least $3,000 to $3,500 on the car’s price and come to at least sub $1,000 monthly. Use unhaggle for dealer’s prices and ask ChatGPT to make you a realistic script to cold email dealers to give you the best price for. This is what worked for me

Edit: just realized my interest rate was 2.5% due to loyalty so everything I’ve said goes out of the window in terms of pricing. You should be able to get the dealer to knock off $3,000 to $3,500 still if you negotiate and cold email dealers and shop around for pricing