Yup, just read the contract, it states if the lease is terminated (total loss) and you did a one-pay, you will be refunded the amount totaling = (single pay / term)*remaining months (by single pay, the contract refers to 6.M. on the contract and not the amount you paid out of pocket)
SO, this gets more interesting, theoretically, if my 4xe gets totaled at this moment (im only in the 3rd week of the lease), I would be due a refund by CCAP in the amount of ($18,200/36)*35 = $17,750 even though the amount I paid to the dealer out of pocket was only $13700.
The $7500 rebate was used to reduce my OOP amount so $500 went towards the 1 month payment, $3k towards TTL and $4k would come back to me. This wouldn’t be the case if I did a regular lease, that money would never come back to me.
Concluding - One-Pay is better than monthly payment such that, you get money back from rebate if totaled and reduced MF