Actually the inability to buy the car at the end is what is turning me off your company. I would rather go with one who lets me buy the car at the end. I don't see why you claim denying this possibility to be an advantage. If I want to buy the car that is my choice, I can hand it back as well, I have 2 options with the other scheme, you only give one, why would I recommend you to my employer? Your prices may look slightly cheaper but then that's before a proper quote, I'd pay the little extra to know that I can buy the car.