Most finance companies do not allow you to buy directly from them. You have to go to an authorized dealer. I sold cars for many years in Michigan and the document fee was $210.00, this was reasonable. When shopping for a car down here in Florida every dealer had the fees between $600-$800 and there was no way to get around it. You will have to decide if buying the car is worth it with the added fees, compared to buying a new or preowned one. Your buy out is most likely a good and will be less expensive. They do not negotiate these fees, I tried. Good luck.
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