An agreement can be settled at any time by the customer by paying the finance outstanding (and the Option to Purchase fee, if required) to the lender.
If the agreement is regulated, the lender may allow the customer a rebate of the interest that has been avoided by paying early if the agreement is regulated.
At the end of a contract, once all the contracted payments have been made (plus the Option to Purchase fee) the customer has legal title to the vehicle and becomes its legal owner.
