Yeah … is pretty confusing.
As others have stated, you have:
- Your Payoff - easily checked via AFS website
- Audi/VW Dealer Payoff - no way to find out unless dealer tells you (afaik); they check via payoffs.manheim.com
- Non-Audi/VW Dealer Payoff (3rd party quotes usually higher).
Makes it fun trying to lease sell/trade if that is your goal. I also read Audi now charges a buyout fee for leases.