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I think he is refering to the Owners Choice finance option? Sort of like a lease. There is a balloon payment at the end of the term similar to a lease, but you are on the hook for the balloon vs. a lease you can walk away from it. Usually the balloon is below the market value of the car so it gives you the flexibility to trade it in vs. buy it out.
Not sure if thats what you mean, but thats what its called in Canada
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