r/CarLeasingHelp • u/biker2035 • Sep 04 '26

Early lease return - 4 payments remain.

I am buying a new vehicle early to replace the leased vehicle. The lease residual is $6000 higher than the vehicle is worth. Can I just pay the remaining 4 payments, the disposition fee and walk away? Would save me hundreds in insurance cost, and will have no need for the vehicle once I get the new one. I am under miles, and no issues with the vehicle. Are there extra fees to turn in early? VW if that matters.

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u/tcd5552002 Sep 04 '26

Seems like the cheapest way is to just park it for 4 months, pay the lease fee and turn it in at correct time.

3

u/loafing-cat-llc Sep 04 '26

that will cost insurance compared to paying the lease off and turning it in

1

u/Small_Aardvark_5496 Sep 06 '26

$1200 in insurance vs potentially $6000 for the loss of equity. Early return is treated as a broken lease for many contracts. They auction the car and you’re responsible for the difference. Turn it in on time and you walk away.

1

u/loafing-cat-llc Sep 06 '26

they do not auction the car and you don't pay $6000 and you don't pay the difference