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.
npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder --agent claude-code
Same command for any agent — swap --agent for codex, cursor, copilot.
Weekly change comes from our own snapshots, not the repository page — it measures attention, not adoption.
# 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. ## 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 Ask for these only if not provided: - **The offer sheet** — payment, term, miles/year, drive-off; ideally: money factor, residual %, cap cost, fees - **The car** — model and MSRP (residuals and negotiability vary) - **Your driving reality** — honest annual miles; the mileage trap is priced per your number - **The alternative** — buying the same car, if they want the comparison (chain to `car-tco`) ## Framework 1. **M
- What This Skill Produces
- Required Inputs
- Framework
- Output Format
- Lease Decode: [car] — [term]/[miles]
- Quality Checks
- Anti-Patterns
What does the car-lease-decoder skill do?
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.
How do I install it?
Run `npx skills add mohitagw15856/pm-claude-skills --skill car-lease-decoder --agent claude-code` — it drops the skill into your project so the agent can pick it up. Swap the --agent value for codex, cursor or copilot if you use one of those.
Where does this skill come from?
From mohitagw15856/pm-claude-skills, a repository with 1,255 stars. We read it straight from the repository tree rather than a submitted listing, so what you see here is what is actually published.
Is a popular skill a good skill?
Not necessarily. Stars measure attention, not adoption — a repository can trend for a week and be abandoned. That is why we show the weekly change from our own snapshots next to the total, instead of a single flattering number.