I ended a lease at a year once by trading it in, it was a Honda Civic and I hated it. I did lose some money. It looks like with your payoff they would probably take it in for around 17 would be my guess. It won't hurt your credit becuase they will payoff the lease but the loss you will take will get tacked on to the new lease payment. If you could wait until the payoff is about trade in value maybe a year then you won't lose any money.