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Minor damage, like on your bumper can be fixed inexpensively. More serious damage can go to the insurance. You can have the bank quote the deduction before you return it as well.
I have an '04 WRX with several options for 42 months @ $280 + tax. About all I have to do is put gas in it and change the oil. If it's worth more than the residual (the bank's estimate of the wholesale value at the end), I can sell it and pocket the difference. Seems like a pretty good deal to me!
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