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The interest rate is ALWAYS higher with owners choice. You need to do your math if you're trying to figure out the better deal while weighing in the odds of you actually buying it after a lease term.
Generally speaking, if you want to keep it over 3 years, financing it will be better (assuming you get a decent rate, i.e. less than 2%). If you don't keep it less than or equal to 3 years, a lease will be better (assuming you dont plan on buying it after the lease ends. This will obviously vary a bit based on your rate and "break-even" point with the car".
Trust me these companies have figured out ways to maximize their profit. The owners choice allows you to pay a little more than a lease would be and gives you the option to buy it out for just a little less than it would be to buy out a lease. You just need to crunch the numbers to figure out how much more you're paying over the lease period to see if its really worth the extra money based on the residual of the car.
Keep in mind, as stated earlier, that tax requirements vary from state to state which could be a big factor in your decision.
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