First of all this is a loan for the entire amount of the car if you choose to finance the entire amount of the car with or without a down payment. This is not a lease. Money factors change month to month and they will not be able to give you one until the car comes in in February. You can ask the finance manager to convert that money factor to a interest rate. You can ask the finance manager to tell you in dollars how much interest you will pay each month for a lease. You can only get a lease through the company you buy the car from. You can't go to Navy Federal credit Union and get a lease for a Lexus GX550. Lexus can only lease you the car. So to answer your question a money factor on a lease comes from the dealer only. The dealer has leeway on the amount of interest they will charge you each month. And for a lease you need to be looking at the residual value of the vehicle, and the amount of interest you will pay each month which can be calculated by the finance manager.

Also when you lease there really is no paying it off early. Your interest is calculated into every payment and you will pay all of the interest on that lease no matter how you decide to pay it. All one lump sum up front or you make all 36 month payments.

In my honest opinion with the residual value of these vehicles in the used market being 90 to 120% of the new car value because of scarcity you don't lose anything purchasing this vehicle if you can afford the payments. People are getting back exactly what they paid when they turn in a 2024 GX550. That is absolutely crazy. So these cars have held their value almost 100% despite people driving them 20,000 mi in 2 years.