Toyota Lease buyout in Mississippi

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Hello everyone,
I am helping a family member lease buyout their Toyota lease in Mississippi however the dealership is saying we do not allow outside financing(charging 13% interest).
My question is there a way to buy it out without going thru this dealership or bite the bullet and refinance it after the transaction. Thanks in advance for the help

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Have you logged into the account and checked for payoff instructions?

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Yes and it was directed Toyota financials and they told that the dealership will be reaching out for buyout options. It seems like Toyota send the information to the dealer. I am not sure if this applies to Mississippi or this is usually the case for toyota buyout.

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I am sure the stealership is trying to pull a fast one on you, but if this is some weird law in Mississippi, get a personal loan and write a check to pay off the car. The rate has to be less than 13%

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Did you try other Toyota dealers?

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Call or email Toyota Financial for instructions to pay off the balance directly, ie send them a check or wire.

Then have your bank or CU send them a check.

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Is the lease thru Southeast Toyota Financial. ( SETF )or Toyota Financial Services?

If you still run into a wall, you can always re-fi at a credit union or local bank a month or so later.

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No we haven’t however that may be a way to go.

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I will ask them to try again and see if they can speak to the live person however i have a lexus lease thru Toyota financial and I tried the process of buying out online after giving the buyout amount l, it was directing me to one of the local Toyota dealership to complete a credit application.

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I will confirm the lease company. Thanks for the feedback