He was using this to point out the discrepancy between the lease rate from Uber's pre-selected finance company (15%) and the best possible rate one could get -

He was using this to point out the discrepancy between the lease rate from Uber's pre-selected finance company (15%) and the best possible rate one could get - 3%. It's just to illustrate the range of finances, and note that the finance company is literally charging 5x! In terms of credit, yes, better credit helps, but also since it's a secured loan, it's not like a credit card.