If the car was not a loaner, wouldn't the residual be 59% on a 10K lease? That 4% difference in residual is increasing the payment by $64 per month. But you are getting a very large discount so the monthly payment is pretty good.
One small issue that I had when I leased a loaner in the past was that I had to replace all 4 tires near the end of the lease because of the miles that it already had on it. It probably would have not needed the tires replaced except for those extra miles.
Last edited by tarf; 07-27-2012 at 08:46 AM.