City Walk Parking. See 2023 Toyota Corolla models near you. Research the 2023 Chevrolet Malibu on CarGurus. Make payments from pre-tax salary to save on income tax (you're 'salary sacrificing' the car) Cover car running costs (which can be higher on a used car) as part of your novated lease deal to save more in income tax and GST. Excludes title, taxes, registration, license fees, insurance, dealer prep and additional options. If you have your eye on a used car but also want the benefits of a novated lease, the good news is. Call us on 1800 932 394 or use our Novated Lease Calculator Step Two We get you the lowest price A novated lease is a way to finance a car via ‘salary sacrifice’ or salary packaging. Novated Lease and Car Leasing: Benefits, Process, and Savings EVs get a boost with FBT exemption Learn More How easy a Novated Lease works Step one You choose your new car Discuss your options with an Eziway Leasing expert consultant and get a quote. Your monthly payments will be $899 and that reduces your taxable income by $10,778 each year the agreement runs – and you drop into the lower tax band, paying just 19%. The #1 Lease Takeover Marketplace. Chevrolet EV Lease Deals. A novated lease is a way you can finance a new or used car. We’ve put together the best lease incentives for November, which come from a range of brands and apply to a wide variety of vehicles. Value and sell your car. It's best to avoid debt, especially expensive credit card. 00 acquisition fee, and first month's lease payment of $499. parking options - valet parking at $22 - we park your car and deliver it back to you any time you want it during that day. Contact us on 1300 309 343 today to find out more. You forecast all of the running costs of the car over the term of the lease (say three years). Base: $1,349 per month and $7,500 due at signing. 0 TSI Life 5dr. Backed by more than two decades of industry experience, it is the first to bring the finest luxury, sports, and exotic car experience, as well as tailor-made corporate and personal car rental and leasing solutions to the Singapore market. Sweet deal! Your novated lease repayments are deducted every pay. Novo Las Olas has rental units ranging from 605-1405 sq ft. Safety deposit box. It works just like other long-term car rental services, with you paying a monthly fee to get behind the wheel of a brand-new electric car for a set mileage per year. You decide to get a five-year novated lease, and the interest rate is 6%, meaning your monthly payments will be about $536. But you can sell to any buyer you find, and. Cherokee: $539 per month for 36 months with $3,799 due at signing on 2023 Altitude Lux 4×4 models. Use deals offered by other dealerships as leverage to get a matched or better deal. . UK’s biggest leasing comparison site. That said, plenty of people have gotten themselves into financial trouble by negotiating a car lease without doing their research first. Save $1000s with a ISUZU D-MAX novated lease using your pre-tax salary. Novotel Canberra is Canberra's premium 4. Instead, you inherit the same monthly payment and lease terms that the original lessee negotiated. Usually higher down payment and. Perfect for leisure and business travellers. To submit a lease application, follow these steps: Sign in to your Tesla Account. Novated leasing is an ATO-approved way of reducing tax for both employers and employees. If you pay $3,000 at lease signing, you’ll only be paying $12,000 over the. GST on the above $5,800 = $5,800/11 = $527. Couples in particular like the location – they rated it 9. The Chevrolet Bolt is a solid electric vehicle, especially with 259 miles of range, and its spacious interior and fun-to-drive dynamics are bonuses. Money down required for lease: $5,007. You don't own the vehicle you simply pay for what you use. 469-331-9672. All these services are digitally processed. Our rates start from 8. Entries for minor draws 1 through to 9 close at 11:59PM AEDT each Sunday 5/11/23 to 31/12/23 inclusive. We offer competitive prices for monthly car rental that you won’t find anywhere. A vehicle lease is an agreement in which you get to use a car for a specified period of time in exchange for monthly payments. Your Annual Salary. Weekly novated lease cost (including car running costs): $268. When you lease a car, you only have to pay for the difference between the vehicle’s price and its expected value at the end of the lease, plus interest and fees. Hotel that makes every moment matter. If there’s no sales tax in your state, you can skip this step. Superannuation. Compass: $269 per month for 42 months with $5,649 due at signing on 2023 Latitude Lux 4×4 models. It’s quite simple – Salary packaging allows you to pay for certain benefit items BEFORE you get taxed. Total Cost (based on the terms listed above): $15,123. A novated lease is one of the easiest and most cost-effective ways to buy and run a car, and you don’t need to be earning an executive salary! Make tax savings and discounts on your car and related running expenses. Nissan Rogue Leases. When the lease transfer is approved, both. Car loan - No restrictions on vehicle choice. See the map. Learn More. However, even with these great discounts, we know that the cost of a new car is sometimes not practical for all drivers. 2, 2024. A Lendly Pay Novated Lease, the cheapest way to own a car. There’s no need to get a car loan or borrow against your mortgage. Leasing a 2024 Volvo XC60 B5 Plus will cost $642 a month with. Cash due at signing includes $3,349. Cheapest Lease Deals in November 2023. 9. Save $1000s with a TESLA MODEL 3 novated lease using your pre-tax salary. 4. 32. Phone: +36 1 2960996. a 1-year lease may have up to 65% of the car’s value as a residual. Plaid: $1,529 per month and $7,500 due at signing. With an annual salary of $75,000, John used Salary Packaging to make his lease payments from pre-tax income reducing his annual taxable income to $69,173 and increasing. Novotel Reading Centre: WATCH OUT FOR CAR PARKING FEE - See 1,856 traveler reviews, 379 candid photos, and great deals for Novotel Reading Centre at Tripadvisor. The employer will commit to making payments for the lease of the vehicle as well as its running costs. Book an additional kids room at 50% off. The Novotel Paris Center Tour Eiffel is within walking distance of the Eiffel Tower in the heart of Paris and is a 10-minute drive to the Parc des Princes Stadium. Check Room Rates at Novotel Bali Ngurah Rai Airport. 0 0 0 0 0 0. 8 km) from Victoria Park. Park Sensors. The world of Novotel. Looking to lease a car? Find the best car lease deals right now for November 2023 in your area on TrueCar. At the end of the lease agreement period, you can choose to make an additional payment (called a. Created in 1967 in France, the company grew into what became the Accor group in 1983, and Novotel remained a pillar. 87 P/M. QAR 9,000 exc VAT. 2024 Honda Accord: $3,399 down and. Essentially, a novated lease means that your employer is a party to your purchasing agreement, and allows you to pay for your vehicle as part of your salary package (handily saving them some money as well), by paying your car payments for you out of your pre-tax earnings. Daily housekeeping. For a set fee, usually paid monthly, the company will cover all or most of the necessary maintenance and repairs on the vehicle. And with $1,000 to start, you can lease a 2024 Toyota Tundra SR5 for $669 a month. NISSAN QASHQAI HATCHBACK 1. 2023 Jaguar I-PACE. Car A has a 36-month lease with monthly payments of $200 and $1,500 down. 06. RateGenius - Lease. Toyota Lease Deals. Childers Street Parking. Calculate the savings on your next car. com. You can benefit from GST savings on. If you’re not sure whether a sale and leaseback is the best choice for your individual circumstances, give us a call on 1300 888 594, or you can request a callback. Sales: 844-877-4855; Facebook Twitter YouTube Instagram. Whether you’re looking for a family sedan, a soccer-ready SUV or minivan, or a. So whether you drive 10,000 kms or 50,000 kms, a flat 20% FBT liability will be incurred by the employee. Leasing is basically the same as renting. Calculations are based on Tesla Model 3 SR with a purchase cost $67,225. They'll take that $5,000 difference and add it to the new lease agreement, meaning that you’ll be paying for your new vehicle plus $5,000. Guests can relax in a swimming pool or in the Chinese restaurant on the modern hotel, which is set around 10-15 minutes' walk from Bukit Bintang. Terms and conditions apply. In this case, the lessor is the owner of the vehicle and the lessee is someone who pays to lease it for a set time. This month’s lease offer is on the LE trim level and also comes with $500 cash back. The. 3 options to get out of a car lease early. FBT exemption on eligible Tesla novated leases. Novotel Lisboa: Novotel car parking NOT a day rate but a per exit rate - See 3,599 traveler reviews, 892 candid photos, and great deals for Novotel Lisboa at Tripadvisor. We’ll do the math,Get the best SUV & car lease deals in Montréal. Lease monthly payment: $281. With secure, free car park, our hotel and its 4 meeting rooms is also aimed at business guests. Exciting offers await you for the journeys to come: Reduction in lease rentals up to 8%. This 4-star hotel perfectly blends style with convenience, as guests can enjoy a quiet, airy room with enough space to work or relax. Novotel Bur Dubai - Healthcare City. Due at Signing: $3,779. Al Khaleej Auto Car Trading Company W. When everything is in order, your application is approved by Easi. 2k people have looked at this space. 1. The term length is typically two or three years, but shorter and longer leases may be available. 1m and we’re just getting started. The obligation for the payment of lease rentals is transferred (novated) from you to your employer for the term of. However, you indicated that you typically drive 18,000 or more miles each year. co. Negotiate the lease term. In fact, it could save you more than $13,000 versus buying a car outright with cash and more than $26,000 compared to using a car loan (see example). Calculate your lease. Novated leasing details. Novotel is conveniently located in a redeveloped riverfront commercial area in Mandaluyong City. Your payment can also include a charge called the documentation fee. A Novated Lease lets you use your pre-tax income to pay for your car and its running costs. We have a diverse fleet with luxury brands to meet your traveling expectations. Home; Vehicles for Lease; Vehicles for Sale; Leasing Services; Leasing FAQs; About Us; Contact Us; Call us for a quote 0800 435 394 Mon - Fri 9. Under a normal lease, you enter an agreement with a leasing company. Our vehicle leasing specialists will then provide you with a quote based on the novated lease. Back to Calculator. ★★★★★. VIP is proud to offer nationwide delivery and. Also, give some thought to your desired loan term: A shorter-term loan comes with higher monthly payments, but the upside of that is lower interest charges over the life of the loan. From 1st July 2022, getting an EV novated lease means you may be exempt from FBT on eligible electric cars. We’ve put together the best lease incentives for November, which come from a range of brands and apply to a wide variety of vehicles. When you take over a lease, you don’t get to renegotiate its terms. Calculate your lease amount today by filling the form below. 22 + $79. Get the best SUV & car lease deals in Calgary. Typically, you could expect a rate between 2% and 5% if you have strong. John talked to his employer about taking out a three year Novated Lease when he wanted to buy a brand new Mazda CX5. Let’s say, for example, that you want to lease a $40,000 SUV that’s expected to depreciate 20% in year one, 15% in year two, and 10% in each ensuing year. 60 + min. Novotel Sheffield Centre. Know your numbers; Know what you want; Get quotes ahead of time; Test-drive the dealership (and the salesperson) Check dealership inventory; Shop when you’re having a. com or 03 9667. Finally, to calculate your monthly lease payment, you’ll add these three charges together: Monthly depreciation + monthly interest amount + monthly tax amount = monthly lease payment. Except as otherwise expressly provided. Choose your wheels from UAE’s Largest & Widest Rental Fleet. Conveniently located within the city centre, Novotel is within easy reach of the SECC and Glasgow's many tourist attractions, such as The Kings Theatre and The Kelvingrove Art Gallery. However, the responsibility for the lease payments will still be on the employee. Get a copy of your credit report before you visit the dealership. View all Regional Offers. 00 capitalized cost reduction, $795. How to save with a novated lease. 8 Hybrid 140 GR Sport Bi-tone Cvt. Getting a lower monthly payment: Making a sizable down payment will certainly reduce your monthly lease payments, but it probably won't save you a ton of money compared to the overall cost of. Novotel Rio de Janeiro Leme, easy access to the city's main postcards, Sugar Loaf Mountain and Corcovado, Arpoador and Ipanema beaches, Rio's neighborhoods and wonderful city center. Find our how much you can save by salary sacrificing your next car! Discover how much you could save by salary packaging your next car and its running costs with a Fleetcare Novated Lease. That means there’s $8,000 in depreciation the first year, $6,000 the next, and $4,000 in the third. Featuring a wellness centre with aromatherapy and reflexology, this 4-star Novotel Kuala Lumpur City Centre is located 13 minutes' stroll from Petronas Twin Towers. The employer will commit to making payments for the lease of the vehicle as well as its running costs. Running cost budget based on 15,000kms driven annually. All draws at 3PM AEDT at Level 8, 133 Castlereagh Street, Sydney NSW 2000. 58 per Month Was £232. To give you an idea of how a novated lease cost calculation could end up looking here is an example, based on the following assumptions: Customer is buying a 2023 Tesla Model Y (RWD) Annual gross salary is $120,000. A novated lease is a form of salary sacrifice that involves setting aside a portion of an employee’s pre-tax wage for payments towards the cost of a new vehicle. Get Quote. Driving on your own is like breath of fresh air. 2023 Kia Soul: $2,799 down and $219/month for 24 months. 7 x minor draws each Wednesday 8/11/23 to 20/12/23 inclusive and then 10. For Rent / Lease Residential Condominium 3 Bedrooms 3 Bathrooms 117 sqm. For example, Jen Stockburger, director of operations at CR’s Auto Test Center, noticed that the buyout price for a 2018 Subaru Impreza she was leasing was much less than the car’s market value. If you prefer you can send us a message and we’ll message you back. Same carpark offers a $10 park but only allows 1 entry/exit. Under full service car leasing, we fund the total cost of the vehicle, and cover all costs relating to registration, full period insurance, comprehensive maintenance, accidental repair costs, management and more. Novotel Mumbai International Airport. Find the right vehicle leasing deals today. Novotel Bali Ngurah Rai Airport is a perfect hotel to stay on a short stopover in Bali, arriving late at night, or catching an early morning flight. A novated lease is a form of salary sacrifice that involves setting aside a portion of an employee’s pre-tax wage for payments towards the cost of a new vehicle. Please feel free to contact me directly if I can assist. +49 89 661070. With a novated lease you pay less income tax and save on GST on the up-front cost of the vehicle and ongoing costs. 3 yr. 4 answers. Whether you are looking to lease a single vehicle, fleet of vehicles or finance a. From £ 203. Technically speaking, a novated lease is a three-way finance arrangement between you, your employer and Clear Lease. Petrie Street Parking. Large outdoor swimming pool and 24-Hour Fitness Centre. A short-term car lease can be an alternative for drivers who don’t want to commit to keeping the same set of wheels for a typical 3-year lease. 69. That includes finance payments, insurance, fuel, servicing, tyres – the. The leasing company measures the assuming lessee’s credit worthiness. we’re all about getting you the fairest price possible, consulting our network of 2,000 car dealerships around australia to make sure you’re getting a great deal. The car becomes a fringe benefit but is paid for by the employee using their pre-tax dollars or salary. Gravity Lending – Lease buyout loan: Best for Lease buyout loans through loan aggregators. com’s huge online inventory of current leaseholders looking to get out of their lease –so you can get in! Our hassle-free lease trading marketplace is the perfect way to find car lease deals in NJ, whether you’re looking for a Mercedes, a BMW, a Toyota, an Infiniti or any other make that. Starting from: $17,640 MSRP. Cost per week quoted includes finance, fuel, registration, insurance, servicing and repairs, tyres and roadside assist. Leasing is usually only available through a dealership. Novotel Brussels Grand Place is perfectly located for family stays in Brussels, just two minutes' walk from the Brussels City Museum, four minutes' walk from the Grand-Place and 11 minutes' walk from the Royal Museums of Fine Arts of Belgium. Edmunds makes sense of the $299 lease deals for November 2023. Then take the negotiated selling price of the car. Choose from hundreds of monthly and daily parking spaces near Novotel Sydney on Darling Harbour starting from $130. 2023 Chevrolet Equinox: $1,849 down and $269/month for 24 months. A novated lease is a way you can finance a new or used car. A novated lease could help to reduce your taxable income and get you into the lower band, where you'd only pay 19% income tax. Different lenders (leasing companies) will offer different interest rates. When everything is in order, your application is approved by Easi. Crystal White Metallic. Click to find your next new car! All the Montréal area covered, Including Laval, Brossard, Longueuil, Boucherville, Terrebonne, Mascouche & all the Greater Montréal Area. The Jeep Grand Cherokee has attractive deals for returning FCA lessees. It’s a three party agreement between an employee, their employer, and Fleetcare. We’ve already helped everyday Aussies save over $3. Leasing a car is similar to a long-term rental. Our History. In business since 1999. The Chevrolet Bolt is a solid electric vehicle, especially with 259 miles of range, and its spacious interior and fun-to-drive dynamics are bonuses. You can make your repayments from your pre-tax salary with approval from your employer under a ‘salary sacrifice’ arrangement. 1. Get a novated estimate on the car of your choice. 00 a month right now through Parkhound. Running costs include charging, comprehensive car insurance, registration and CTP, servicing, tyres, plus brokerage. Common elements in a car lease agreement include: Down payment: A down payment on a lease may include your first and last month’s payment and a security deposit. Volkswagen Power Leasing empowers you to own a Volkswagen car with low rental charges and zero down payment. SBM Auto Lease. Total monthly payments equal $17,964. a. Max 1 entry p/new vehicle lease. Buying. Browse our inventory online, or call to get a quick car leasing quote! New or Pre-Owned Lease, Finance, or Purchase. You don’t have to pay GST on the purchase price. Hotel that makes every moment matter. our team at fingo are some of australia’s best in the car finance industry, helping you to secure novated leases on a range of different vehicles. We have negotiated healthy discounts on most make/models and our quotes will reflect these discounts. See 2023 Toyota Corolla models near you. 01. Be sure to find out the specifics of these fees before agreeing to the lease assumption. 4 Prices. Option 1: Sell your car to a dealer. Be quick! 1. Auto leasing offers lower monthly payments, potentially no upfront cost, lower repair costs, and the best deals on new cars. Ainslie Pl Parking. Generally, the more expensive the vehicle and/or the shorter the lease period, the higher the monthly payment. Simply use our calculator to find your estimated. Compare the best car leasing deals at Intelligent Car Leasing and drive the car you really deserve. You can change an existing car loan into a novated lease by refinancing your current loan. 2024 Subaru Legacy: $3,269 down. 1. Locate your local Nissan dealership today. The car's residual value—which is mostly based on the car's manufacturer suggested retail price (MSRP) minus depreciation and other factors, such as the car's condition, make, and model—determines your monthly leasing costs, in addition to lease fees and taxes. Monthly Lease From: £192. A novated lease is a tax-effective agreement between you, your employer and LeasePlan that lets you lease a vehicle of your choice. Lease Type. $1,400 total due at lease signing includes down payment, first month payment, and $0 security deposit. LeasePlan has an extensive new car supplier network around Australia. We offer the best selection of vehicles from popular manufacturers such as Toyota, BMW, Audi, Ford, Mercedes-Benz, Hyundai, and more. While this was phased in over a number of years, in 2014 it became standard for all. It is also a convenient place to hold a business meeting while visiting Bali. You’ve found the perfect SUV, and you've negotiated a $40,000 price. The rate you get is based on your credit score. Novotel Leeds Centre. Expires: 12/5/2023. Novated Leasing Canberra wide is best facilitated and designed by the professional car financiers at Automotive Lease Packaging. 2024 Buick Envista. For an employee earning a salary, it’s the best way to buy and run a car. Hochstraße 11. 00 Incl VAT. For an employee earning a salary it's the smartest way to get a new car. The room was nice and comfy, temperature was just right and no need to. One of the notable advantages of leasing is that you get to drive a vehicle that is brand new and in good condition. Borrowing £9,000 over 60 months with a representative APR of 20. Victoria Street car park, CBD. Get Price. Get the best car deals here!Leasing a 2024 Toyota Tundra SR5 will cost $616 a month with the same $1,000 down. Book a relaxing family break. Based on your responses, we suggest you consider leasing to meet your needs. Find cars for lease in California when you browse the world’s largest online marketplace for lease trading – Swapalease. 558 South Central Expressway Richardson, TX 75080. A novated lease can help you save, but you need to compare the pros and cons before deciding. Session Timeout in 0 0: 0 0. for 36 mos. A car lease is a popular type of auto financing that allows you to drive a vehicle for a fixed period of time and number of miles. Toyota RAV4 Leases. *Savings over the lease term are based on the following assumptions: travelling 15,000km pa, gross salary $92,000pa, 5-year term with FBT exemption. Bucharest Car Rental via SIXT. We compare buying a Tesla Model 3 on a Novated Lease, versus a Car Loan, versus an outright cash purchase. Note: Leasing costs can vary. Firstly, enter the purchase price of the vehicle you’re looking to buy. You will enjoy competitive rates on our array of premium and luxury cars. Budapest Airport Terminal 2. . 5%. LED Headlights. 0344 387 2727 View our opening hours. Reserved allocated - $130. Leasing. Volkswagen Deals Information. Most trustable car rental. What is a novated lease or a salary sacrifice car? A novated lease (also known as ‘salary sacrificing’ a car) is a three-way agreement between you, your employer and a finance company. Novotel Rotorua is a 10-minute walk from the Polynesian Spa, a 5-minute walk from the QE Health Wellness & Spa and a short drive from many activities and geothermal sites. We sorted through every new car lease deal this month, so you know what to expect from each brand. You can book a Bucharest car rental through SIXT to enjoy premium transportation. Parking on site was very handy. Choose from hundreds of monthly and daily parking spaces near Hotel Novotel Canberra starting from $130. Leasing the same car for 36 months, with a $15,000 residual value, the sales tax is $1,350 and is paid in smaller amounts ($37. This car will have a residual value of 57% and a money factor of 0. At STS car rentals in Goa, we want to make renting a car as simple and personal as driving your own. Choose from hundreds of monthly and daily parking spaces near Novotel Melbourne Central starting from $130. But there's a catch – the price tag is a bit… + continue reading. 939 reviews. Key card access. Learn More. Live this experience. The hotel features a fitness center and 2 restaurants serving French and Japanese cuisine. 00 per day. What is a Novated Lease? Novated leases are a popular and cost-effective option for employees who are looking to buy or lease a vehicle without having to pay GST. £1,730. You get a vehicle with no down payment as it's already paid. The rate you get is based on your credit score. However, there are options for people who have situations when. The 2023 Mazda MX-5 Miata is a sports car that is available to lease for $419 per month with just $2,499 down, and the luxe-but-sporty 2024 BMW 2 Series leases for $549 per month with $4,489 down. You’ll also save thousands on the purchase price of your ISUZU D-MAX thanks to the GST tax credit available on a novated lease. To calculate how much will be deducted before tax you need to do two separate calculations; Total vehicle annual running cost minus the FBT employee contribution = $5,800. This means you can lease, salary sacrifice, and save on the car of your dreams and the costs to run it. View Deal. Book your next family trip and snuggle up with Rosy the Raccoon. Commit to saving a specific amount each month -- 10% to 20% of your income is a good place to start. However, keep in mind that these rates are subject to change and may vary depending on your individual circumstances. At the end of your term, you will have to repay the residual amount if you want to take full ownership of the car. Our Fleet. Once you find a few cars that meet your budget and have all or most of the features you are looking for, give them a quick test drive and select the one that best meets your needs. 80 + $21. #8 of 41 hotels in Mainz. With a Lendly Pay Novated Lease you can pay for your car and it’s running costs with pre-tax dollars. 2023 Chevrolet Equinox: $1,849 down and $269/month for 24 months. Discover our 401 contemporary non-smoking rooms and suites in the heart of Manila’s business and leisure district. Current Offer: $3,238 down and $238/month for 36 months. 15000 km kms. >> Check Volkswagen ID. Unfortunately, some people don’t negotiate as well as others — if at all. There are a few plans to choose from, starting from just $149 per week. In your own time, make space for the essentials of life at our hotels, resorts, suites and residences in sought-after destinations across the world. Typically, one option to get out of your car lease early is terminating your lease. Choose from hundreds of monthly and daily parking spaces near Hotel Novotel Canberra starting from $130. We offer flexible leasing terms ranging from 18 to 60 months to give you the freedom to choose the right payment plan for your budget. HealthShare NSW agrees to pay the lease on your. For Teslas Model 3 and Model Y variants valued below the luxury car threshold ($89,332 for FY 2023/24), your novated lease will be exempt from fringe benefits tax (FBT). Free airport shuttle from 6 am to 11. Entries for minor draw 10 close at 11:59PM AEDT on 5/1/2024. 1300 55 63 55. 33 photos. After the swap is complete, the new lessee becomes fully responsible for the lease, as long as the transaction meets all of the lessor’s requirements. Pay $0 FBT and instantly save GST on the purchase price and running costs. Calculation assumes a driver in NSW, driving 15,000km per year, with an annual salary of $120,000. 40 pm, every 20 minutes. Before you commit to leasing a vehicle, it’s essential to understand the agreement. Find deals on superminis and hatchbacks from £240 a month all the way to luxurious and premium vehicles for around £1,000 per month. If you find a lower price on your new car, we'll match it!*. Its residual value is $25,000, so if you get a zero-down lease offer, you'll finance the remaining $15,000 in equal monthly payments that include interest and fees over the lease's 36-month term.