quick question. back in feb '06 when i got my ss/sc, all i could really afford at the time was a lease. fast forward a year and a half later, i'm making $4+ an hour more than i was then and whatnot. is there a way i can 'end' my lease early and buy the car, keeping the loan obviously and keeping payments where they're at, or 'putting more money down' technically to lower the payment? as much as i love my cobalt (and i LOVE my cobalt), i got that itch to put cold air intake, manifold, exhuast, and that little stage2 package on my car, and i can't get rid of the itch.

i don't know exactly what i'm gonna do when the lease is up in about a year and a half. i want the camaro and thats what my overal plan is. but i may hold off. i don't know a whole lot about the lease/buy deal, hence me asking if anyone here knows anything. if i was planning on keeping the car for sure, i'd do some work to it. if i had bought the car i'd do work to it. but i know its worthless with a lease. any help is greatly appreciated.

 

You can re-finance the car into a purchase. Best choice overall if you want to buy it.

 

For sure. If you wait until the lease is up and then finance it, typically you'll pay on the car for 8 years assuming you had a 3 year lease and a 5 year purchase loan.