Do car dealers get a lower payoff quote than the consumer?

I returned a Mazda lease financed through MFS to a local dealer (different than originating dealer). I noticed that the payoff quote they had was lower than the one MFS told me over the phone. Do they have access to lower payoff quotes than the consumer?

You have to pay tax, they don’t.

That is interesting. The difference may have been the disposition fee. Was the difference a nice round number like $350?

Nearly $1700

taxes GIF

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