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The used car dealers who have figured out how to stock and which banks work for leasing are killing it!  They don't have to worry about what they're paying at auction as much.  I'm surprised Vroom and Carvana haven't figured this out yet.

Many franchised dealers focus on their captive lenders and miss a lot because of that.

As for the captive lenders offering creative lease offers - they don't have to right now.  New cars are... well... we all know how rare those have become.  Unless they start to care about used cars (which they should right now), then I don't see anything more than non-captives staying aggressive on earning paper the residual/rate way.