This is just an FYI because I’ve found a lot of old threads about this with some contradictory answers. I was confused about what the payoff for my car would be if trading to a non-Honda dealer and on if I would still have to pay the disposition fee, so I called Honda Financial.
Honda Finance at any one time will have three different payoffs for your vehicle:
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Your personal payoff. This is for you to purchase your vehicle. This is the amount shown on their website. There is no disposition fee included in this payoff amount (you do not pay a dispositon fee when buying your own car). This amount includes tax.
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Honda Dealer payoff. This is a special payoff that a Honda dealer can request if you are trading in your lease to a Honda dealership. This payoff does not include disposition fee (Honda waives the disposition fee for Honda dealers). This payoff amount does not include tax (since dealers are tax exempt on used car purchases).
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Non-Honda Dealer payoff. For any other dealer that is not a Honda dealer, this is their payoff amount. This payoff amount DOES include a $350 disposition fee plus tax on that disposition. It does not include tax on the rest of the amount. I asked “So this amount is the personal payoff I see on the website, plus the turn-in fee and its tax, but minus sales tax on the rest of the amount?” and I didn’t get a clear answer, but that’s what it sounded like to me.
Starting tomorrow (1/17/2020) he told me there will be a new easy website for dealers to get the exact payoff amount for leases.
Hope this helps others who, like me, were confused about this.