You don't have to use the dealer's bank. Check with your local credit union for "lease buyout" loan rates, which are often lower.
If you are looking to buy a car that someone else just finished leasing, these are the best places to look: where to buy leased vehicles
To help you figure out if this is a good financial move, could you tell me: What is the of the car? What is the purchase price listed on your contract? How many miles are currently on the odometer? You don't have to use the dealer's bank
Sites like Carvana , Vroom , or Shift frequently stock 3-year-old vehicles that were recently returned from leases. where to buy leased vehicles