The balloon finaincing programs are a great way to get your payments down. You are paying interest on the balloon as well though not just on the portion that you are paying down. Generally the amounts that they set for the balloon is the same as the residual value on the same vehilce on a lease +/- 5%.
Personally i think a lease i a better deal. with most balloon finaincing (not too sure on the RBC buyback plan) you are still ultimatly on the hook for the balance at the end. Plus on the finance you are paying interest on the tax whereas on a lease you are paying the tax on the payment.
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