2013 Kia Optima 30 months remaining and payoff is $24,800.
Current CarMax buy offer $20,500
We are NOT going to keep through the end of the lease so to me buying it now will start to lesson the negative equity and build my credit further by me being co on the auto loan to buy the lease.
I would like to buy it out at 60 months through either Navy or Logix... Navy offered 3.65%ish last month but think we could get lower at Logix.
thoughts?