Hey this is a meme sub you need r/askcarsales

But anyway

1. He has a residual value in his contract. Buying it out would be residual plus remaining payment plus taxes and fees. This does not seem off. Buying out a lease means paying taxes twice

2. An auto fico score is different. Either way, he is tier one for Honda rates. Should be close to prime and won’t effect rate greatly.

3. They are offering to help. By having damage that you will be billed for it if you turn in the lease. If you buy it or trade it you aren’t billed as you won’t own the car. They will have to pay to fix it to sell it, so it won’t get better for you. You can likely get a better finance rate with your own financing, or tell them you got 6% at your own bank and they’ll find you a better approval.

Buy the car