Sorry, didn’t read all 146 prior replies, but why can’t you just get a loan from another bank and then sell the car to Vroom/Carvana/etc the next day?
I leased a 2019 Corvette Stingray back in December 2018 (really damn good lease too btw) through GM Financial. Last Tuesday (July 6th) I refinanced the remaining $39k through PenFed. PenFed overnighted me the check, GMF overnighted me the paperwork with a return pre-paid envelope. Now, I’m in the process of selling it to Vroom.
I explained what I planned to do with a Vroom representative, and they said either way I walk away with the same amount of money. Doing it the way I explained above, I pay the taxes and they scratch me a bigger check. If they purchased it from GMF (assuming they could) they would be paying the taxes, so they would’ve scratched me a smaller check. Either way, I end up with almost $14k in equity in my car.
(I effectively drove my brand-new Stingray for 32 months at $165/mo. I have not been this proud of a car purchase before in my life.)
A funny aside, I started the PenFed refinance a month earlier but because they took so long getting me the first check I ended up seeing the Vroom buyout price go up an extra $2000. I’ll take it!