# Drawbacks to One-Pay? **URL:** \ **Category:** Ask the Hackrs\ **Tags:** usa-nationwide\ **Created:** [April 21, 2023, 6:33pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681 "2023-04-21T18:33:39Z")\ **Posts on this page:** 20\ **Page:** 1
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 6:33pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/1 "2023-04-21T18:33:39Z")
One-Pay lowers the MF by .0008, which is the obvious pro. Wondering if you guys had feedback on what are the drawbacks? Does it complicate or simplify things when turning it in? Do you miss out on opportunities related to loyalty accelerator program? In my scenario, seems like one-pay reduces the effective payment by about 2.5% compared to 0 drive off with MSD’s. Is it worth it? ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [April 21, 2023, 6:35pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/2 "2023-04-21T18:35:57Z")
If youre in a tax monthly state, you end up paying all the tax upfront, so if you sell early, you have a higher net tax cost. ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 6:41pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/3 "2023-04-21T18:41:47Z")
I’m in Georgia, so taxes are upfront. It’s for an EQS, so I’m going to guess there will be substantial negative equity and not going to be a lot of benefit to selling early. ---
**Author:** ![forbs](https://leasehackr.b-cdn.net/letter_avatar/forbs/32/5_5575768a8748004e209b776fc1b2916d.png) [@forbs](https://forum.leasehackr.com/u/forbs)\ **Post date:** [April 21, 2023, 6:56pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/4 "2023-04-21T18:56:55Z")
There is some discussion on a Nissan One Pay that you lose all in case of a Total Loss. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [April 21, 2023, 6:57pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/5 "2023-04-21T18:57:09Z")
Ya, its only an issue in certain circumstances, but worth being aware of. ---
**Author:** ![IAC](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/iac/32/149215_2.png) [@IAC](https://forum.leasehackr.com/u/IAC)\ **Post date:** [April 21, 2023, 6:58pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/6 "2023-04-21T18:58:26Z")
Really depends on the lender. ---
**Author:** ![forbs](https://leasehackr.b-cdn.net/letter_avatar/forbs/32/5_5575768a8748004e209b776fc1b2916d.png) [@forbs](https://forum.leasehackr.com/u/forbs)\ **Post date:** [April 21, 2023, 7:00pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/7 "2023-04-21T19:00:57Z")
Since OP didn’t specify and that’s why I specified Nissan Others, I have heard no problems. ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 7:02pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/8 "2023-04-21T19:02:20Z")
Sorry - yeah it’ll be on an EQS with MBFS. 24 month lease. I’ll be in Georgia so Ad Valorem Taxes paid upfront. ---
**Author:** ![GOAT](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/goat/32/213310_2.png) [@GOAT](https://forum.leasehackr.com/u/GOAT)\ **Post date:** [April 21, 2023, 7:06pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/9 "2023-04-21T19:06:00Z")
My EQS contract regarding one pay and total loss. ![IMG_0991](https://leasehackr-assets.b-cdn.net/original/3X/9/4/94c29716ce239b5653a75b29ea3b26ff88372a53.jpeg) ---
**Author:** ![forbs](https://leasehackr.b-cdn.net/letter_avatar/forbs/32/5_5575768a8748004e209b776fc1b2916d.png) [@forbs](https://forum.leasehackr.com/u/forbs)\ **Post date:** [April 21, 2023, 7:06pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/10 "2023-04-21T19:06:58Z")
I’m a blind forby ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 7:08pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/11 "2023-04-21T19:08:26Z")
“If this is a single payment lease, you will receive a refund equal to your lease payment divided by your Lease Term (as shown on page 1 of this lease) times the number of months left in this lease at the time of the loss of the vehicle.” Isn’t that One-Pay? ---
**Author:** ![forbs](https://leasehackr.b-cdn.net/letter_avatar/forbs/32/5_5575768a8748004e209b776fc1b2916d.png) [@forbs](https://forum.leasehackr.com/u/forbs)\ **Post date:** [April 21, 2023, 7:10pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/12 "2023-04-21T19:10:20Z")
I’m blind! Thanks ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 7:24pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/13 "2023-04-21T19:24:33Z")
One last question to all you knowledgeable people - I know MBFS does not generally allow lease transfers. If I got tired of this vehicle and wanted to give it to my who Dad who lives in another state - what are my options? Do they make exceptions for transfers within family? Can I just somehow get him on the title and registration as a joint owner? I’m unfamiliar with how that works outside of when you own the car outright. ---
**Author:** ![derekoh1991](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/derekoh1991/32/198657_2.png) [@derekoh1991](https://forum.leasehackr.com/u/derekoh1991)\ **Post date:** [April 21, 2023, 7:28pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/14 "2023-04-21T19:28:32Z")
They generally don’t, but you can try and give us that answer at the earliest convenience ---
**Author:** ![Abe\_Lefko](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/abe_lefko/32/153093_2.png) [@Abe\_Lefko](https://forum.leasehackr.com/u/Abe_Lefko)\ **Post date:** [April 21, 2023, 7:42pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/15 "2023-04-21T19:42:15Z")
If you trust your Dad enough why not just give him the vehicle and add him to the insurance? ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 7:43pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/16 "2023-04-21T19:43:52Z")
Yeah, you’re right. Went straight to the complex scenario. I blame my newborn who hasn’t allowed me more than 3 straight hours of sleep for the past 13 weeks. ---
**Author:** ![mllcb42](https://leasehackr.b-cdn.net/letter_avatar/mllcb42/32/5_5575768a8748004e209b776fc1b2916d.png) [@mllcb42](https://forum.leasehackr.com/u/mllcb42)\ **Post date:** [April 21, 2023, 8:17pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/17 "2023-04-21T20:17:17Z")
> [@PSA: Don't do a one pay lease in GA](https://forum.leasehackr.com/t/psa-dont-do-a-one-pay-lease-in-ga/415331/14): > > When I bought out our lease and moved to GA right after, they made me pay the fee again even though I had paid it already on my previous state. They wouldn’t register the car if I hadn’t paid. Went up and down and there was no way around it. Disappointing rules in GA. Interesting discussion from a while back regarding onepays specifically in GA ---
**Author:** ![mkg2024](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/mkg2024/32/126609_2.png) [@mkg2024](https://forum.leasehackr.com/u/mkg2024)\ **Post date:** [April 21, 2023, 8:44pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/18 "2023-04-21T20:44:18Z")
Definitely interesting and I’m not sure what to make of it - it specifically states that down payments do not include monthly payments made in advance. Which is essentially the definition of single payment lease. However, if you get the wrong person and they don’t interpret the rules that way - then what can you do? Not sure whether this is just an N=1 of bad experiences at the Georgia DMV, or if it is a common occurrence and One-pay leases should be avoided. ---
**Author:** ![forbs](https://leasehackr.b-cdn.net/letter_avatar/forbs/32/5_5575768a8748004e209b776fc1b2916d.png) [@forbs](https://forum.leasehackr.com/u/forbs)\ **Post date:** [April 21, 2023, 11:46pm UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/19 "2023-04-21T23:46:59Z")
> [@Abe\_Lefko](#): > > our Dad enough why not just give him the vehicle and add him to the insurance Since the Dad lives in another state and the car is in another state, expect zero coverage if an accident happens from both MB and his insurance company. ---
**Author:** ![Shihyao\_Chou](https://leasehackr.b-cdn.net/letter_avatar/shihyao_chou/32/5_5575768a8748004e209b776fc1b2916d.png) [@Shihyao\_Chou](https://forum.leasehackr.com/u/Shihyao_Chou)\ **Post date:** [April 22, 2023, 3:12am UTC](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681/20 "2023-04-22T03:12:39Z")
I thought insurance covers your car regardless which states you’re in as long as in U.S? [Next page](https://forum.leasehackr.com/t/drawbacks-to-one-pay/464681.md?page=2)