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I think you all are ignoring banking laws which, though they may vary by state, require contracts which clearly state the interest on the loans. You can't get around this in any financing scenario when you are making payments over time. It is the law.
Of course leasing uses a money-factor, but a Google search can tell you how it relates to interest. But, since you don't really own the car, you can call it a "rental" fee is you're really looking for a way to circumvent ridiculous religious doctrine.
And I'm pretty sure that God invented Math.
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