Irrespective of who the lessor is, what u need to do is ask the following questions, not just the interest rate.
1. If i am to go for an early settlement, what additional charges do i have to pay?
2. If the central bank interest rate changes, what will happen?
3. If my repayment gets late by 1 day, what will be the interest?
4. What r the criteria for delinquency as per bank definitions?
5. Can i get insurance from the company i want?(be strict on this )
I also suggest getting everything they promise, in writing. I had a terrible experience with HSBC. Almost took them to courts and that had them begging at my feet.