you can't compare consumer auto leasing to a commercial truck lease. there is more than one type on lease program out there. The lease program that I am on I pay 750 a month for 5 years and pay a dollar at the end to keep it. that is it, it's mine . And while I pay for the truck I get to write it off every year payments ,taxes, interest etc. And the debt is not shown on my credit report freeing me for lines of credit to cover 60 and 90 day accounts. If you go and buy the same truck with your traditional loan you would pay 730 for 5 years and the truck is yours at the end but you only get to depreciate it for 3 years and you don't get to write off payments, interest,or taxes. and you have this on your credit report there by increasing you income to debt ratio and limiting your growth.