I want to keep my car because I have 3 payments left except I have that balloon payment
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Then you don’t really have just 3 payments left! Don’t try to weasle out of something you owe. You signed for the car and have enjoyed it til now, don’t look for an excuse not to pay what you promised.
I’m sorry but you should have thought of that before you signed the initial contract. You’re stuck.
1.Sell it
2.Pay it
3. Refinance it
4. It gets repo’d
And for the love of God, next time you lease, Get a close ended lease. Open ended leases have the balloon payments, and if you don’t read the paperwork, you are screwed. There are very few Automakers that offer those leases anymore, so you should be fine next time.
Unfortunately, you are stuck this time. Lesson learned.
Good luck!