We're considering leasing a new vehicle for my son to keep his monthly payments down. We examined all the lease terms and everything looks fine except for one. At the end of our 36 month lease agreement, we will have the option to purchase the vehicle for a specified amount in the lease agreement. My question: if I can decide now that YES we will buy the vehicle at the end of the lease, is there a way to also negotiate the interest rate at which we will finance the purchase price now and make it part of the lease ? I hate to find myself having to refinance after three years at a high rate.

Does the lease include loan terms for when the lease ends? Most leases don't. That means, if you wish to purchase at the end of the lease, you have to obtain your own financing.