The payoff price appears to be better than what the same year/make of car would go for if purchased used from a dealer. The company sent a letter detailing the payoff amount, we would need to mail a check in that amount to them in order to purchase the car. Since this price is written into our lease, I thought it was non-negotiable…but, is it negotiable, say if we were to go to the dealership for financing? I am not good at “bargaining” or car buying, I would like to approach the dealership with confidence, so any tips would be appreciated! (Or, would it just be better to go a bank or Capital One for financing of the payoff amount?)
Also, is this considered a “lease buyout?” – lease buyout loan rates on the Capital One website are higher than used car loan rates!

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