Explain how I’m wrong please?
This is a totally separate discussion topic that the quality of the deal.
The amount due at signing is an independent factor in the conversation.
You are talking about how one chooses to pay for the deal rather than the deal itself.
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How is this any different than a finance or cash offer?
If you total a financed vehicle and the insurance payout exceeds the loan payoff, you get to keep the overage.
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You own the car so you get any overage from your loan. In a Lease, they own the car, so they have to right to demand any and all equity.