Individual skill
car-lease-decoder
Decode a car lease offer — the money factor converted to APR, the cap-cost math, mileage and disposition traps, and what to negotiate. Use when asked to decode my car lease, is this lease deal good, what's a money factor, or review this lease before I sign. Produces the real-numbers decode (money factor → APR, total lease cost), the trap list with dollar exposure, and the negotiation points dealers expect to concede.
plugins/pm-decoders/skills/car-lease-decoder/SKILL.md
Source commit f7c90bc09ee05dc25cf257bdb1826f2c2552c2cb
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- Last checked
- Nov 9, 2026
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- Repository last updated
- Nov 9, 2026
- License
- MIT
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SKILL.mdcore · 4,565 bytes
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# Car Lease Decoder Skill
Leases are quoted in a dialect designed to prevent comparison: money factors instead of interest rates, cap costs instead of prices, payments instead of totals. This skill translates everything into the two numbers that matter — the *effective APR* and the *total cost of the lease* — then walks the traps that live in the back pages.
> **Not quite this?** Use `used-car-decoder` when you are buying a used car from a listing rather than leasing.
## What This Skill Produces
- **The translation** — money factor × 2400 = the APR they didn't say; cap cost vs MSRP vs negotiated price
- **Total lease cost** — payments + drive-off + fees + likely end charges, one number
- **The trap list** — mileage math, disposition fee, wear-and-tear standards, early-exit exposure, each priced
- **Negotiation points** — what's routinely movable, with the asks
## Required Inputs