I have never taken over a pre-owned lease before. It seems pretty straight-forward, but I have a quick question... Is the lease pay-off amount lower than the actual amount owed For example, the car I'm considering has 12 months left on the lease, the lease payments are $386/mo. 386 x 12 = 4,632. But doesn't Ford Credit adjust that amount (i.e. lower it) for people that may run into a little cash and want to pay their lease off early? If anybody has an answer please let me know ... I really want the Zephyr but I cant afford $4,632 up front, and don't want car payments either.