Please reddit, you're our only hope. My girlfriend went to the dealership two years ago looking to buy a car via dealership loan. She traded in her car for the down payment on the lease (I know that's extremely stupid) The salesperson said they had to start via lease because she didn't want to co-sign but they--according to her--worked it out so that it would automatically switch to a loan after a year.

They're now telling her insurance provider that it was a 36 month lease and she may have to pay more than the insurance quote on the car's value.

The payments were ~$300 a month. It's a base civic and the payments make much more sense as a car loan than a lease.
We're professionals, but work in the non-profit sector. This could ruin us.
user
girlfriend totaled her car,
assistant
Please reddit, you're our only hope. My girlfriend went to the dealership two years ago looking to buy a car via dealership loan. She traded in her car for the down payment on the lease (I know that's extremely stupid) The salesperson said they had to start via lease because she didn't want to co-sign but they--according to her--worked it out so that it would automatically switch to a loan after a year.

They're now telling her insurance provider that it was a 36 month lease and she may have to pay more than the insurance quote on the car's value.

The payments were ~$300 a month. It's a base civic and the payments make much more sense as a car loan than a lease.
We're professionals, but work in the non-profit sector. This could ruin us.
user
GF totaled her car
assistant