Its a high risk loan where they don't check your credit or reprt to credit agencies. Nothing is ever same as cash.
You're all adults. Stop whining because you were too *** and signed a legally binding contract off of what some 19 year old with bad acne told you it was going to be. Can't read it? Don't sign it.
Don't ever listen to what *** sales associates tell you. Pay off the account within 90 days or three months and you won't have to deal with the lease multiple.
Its not their fault if you can't pay it off. Maybe you should get your *** together if you have to lease a bracelet.