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DonkeyTeeth April 28, 2021, 9:11pm 10

If you’re not already at the end of your lease, the personal payoff you got from CC should include the residual in your contract + your remaining payments + a ‘buyout fee’ (basically replacing the disposition fee).

There are at least a few anecdotes on here to suggest CC doesn’t inflate the dealer buyout past this, but the only way to be 100% sure is to have Carvana contact CC and request the dealer payoff. CC won’t reveal it directly to you. I’ve seen stories of 3-way calls being set up to get this done. I didn’t get the info about the 60-day stipulation until I was standing in the back office of a Carmax, and this was after multiple calls from me to CC about lease-end options.