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FWIW i bought my car off lease and it was super easy. New York, called BMWFS, they were very helpful, decided I didn't want to use their captive lender, sent them a bank check (certified for you old timers like me) by FedEx, I also added the fee for expedited return. Got my title back in like a week. Went to NYS DMV to update the title (vanity I only wanted my name onit) and BMWFS sent me the proper letter to do this, got the car inspected (it was due anyway) and away I went, same plates. BMWFS collected the NYS sales tax so it was easy peazy. I found that every time I called (multiple times) they folks on the other end were very helpful and friendly. Simple process. Also sytarted calling about 3 months in advance of lease end. Good luck
 

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The short answer is no. It never hurts to ask. remember you both signed a contract agreeing to the buyout. The process is easy, send a certified check and spring for the over night return of your title. easier to track and speeds up the process. the folks at BMWFS were very easy to work with and answered my many questions multiple times as I dithered.

Good luck
 
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