I highly doubt you'd "pay off" that financed car in 2-3 years which is a regular lease term. It provides the option of getting out of a car after your term is up at no penalty and into a new one.
Is it like renting a car? Sort of but if you financed a car for 60 months and bought a new car every 3-4 years, that's pretty much the same as "renting". You'll always have a car payment until you stick to 1 car.
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