I have seen a lot of conflicting answers about this.
I was under the impression that you have to pay back 50% of the total agreement price (which includes the final balloon payment) before you can do a voluntary termination.
Is there any chance you can link to any references that back up your answer?
Thank you :)
After speaking to the finance company that (Audi Finance) they have insisted that the voluntary termination is only possible after we have paid 50% of the total (monthly payments + fees + balloon payment + interest). For a 36 month contract, this will happen at month 33.
Most advice we have seen has said the same as Audi Finance.
I wanted it to work the way that you suggested - but it appears that it doesn't, unfortunately.