Toyota Just Partnered With HNB for Leasing — Bundle Deal or Just Convenient?

This week HNB Finance and Toyota Lanka announced a tie-up for buyers of new Toyotas and Toyota Sure certified used vehicles: leases through HNB, free vehicle registration from Toyota Lanka, a 3-year/100,000km engine-and-gearbox warranty, and a few free services thrown in. On paper it sounds like a win — one stop, less running around, and real perks that normally cost money. But anyone who's bought through a dealer before knows the dealer usually earns a commission for pointing you to their "preferred" financier, and that commission has to come from somewhere — often a slightly fatter interest rate or a less flexible facility than you'd get negotiating with a bank yourself. The free registration and warranty might just be the sweetener that makes the math look better than it is. Has anyone actually compared a dealer-bundled lease like this against a quote they got independently from a bank or finance company for the same vehicle? What was the rate difference, and were the "free" extras worth it once you did the numbers? ඇත්තටම සල්ලි ඉතුරු වෙනවද, නැත්නම් dealer කොමිස් එකක් විතරද මේකෙන් වෙන්නේ?