It is up to you to choose which quote is the best for you and your situation. The iinterest rates are a very important part of your quote and should be discussed. Be sure you don’t fall into the trap of using interest rate alone for your comparison. When you are comparing rates, monthly repayments and other loan features, you will get a much larger picture of what a particular finance package actually costs.
Fees and charges that you may encounter include an upfront establishment / settlement fee, ongoing account-keeping fees, “special” once-off fees and maybe even early payout fees. A low interest rate could make you not notice those hefty fees that make a finance package much more expensive then it seems. Payout penalties and retained interest is distinct from a payout fee. Unfortunately it can be very hard to calculate how much interest a particular lender retains. Flexibility is what you really want so find out just what the lender give you. If you are aiming for a large residual or have a less-than-perfect credit history you may find that your choices can be limited but you can still find that quote that works for you.