^ Taking over someone's lease. It would depend how new the car is I suspect. The newer the car, the more you're on the hook for a total amount of debt, in addition to the ability to pay per month.
I don't think any of the factors would change, except the older the car, the lower the total amount of debt.
Present: 2013 M3 coupe (Azurite Black, Black, Piano Black)
Past: 2010 335i coupe (Monaco Blue, Cream Beige, Grey Poplar)
+ miata nut (2004 GT/LS and 2013 GS/Club Edition)