Well, it depends....Do you think you will just pay all the payments, then turn it back in, or do you think that when the time comes you will just trade it in towards whatever vehicle you want then? If you are just going to give it back, then you may have a problem. If you keep up the current rate of accumulation, then you will be about 600 miles per year over your allotment. That would be in the neighborhood of $100-$200 per year in overage depending on your per mile charge. If you are going to trade it in, then I would worry less about that as they will be going towards your payoff amount. I would keep it the 39 months, drive it as I wish, trade it on something new, and then have the dealer your working with paying it off, then difference between value of the vehicle and payoff, would not be very much at that point I would think. I will keep my 05 for 48 months of a 60 month term, and then trade it in for an 09 Rover. Whatever difference there is between payoff and trade value I will pay out of pocket and be clear of any negative equity I had. The Rover will be my work vehicle and will be a tax write off for me.....So, that is my take on the situation.
J