Thanks for telling me what my contract says
I have signed into my account on kfmusa and again, for the fourth time now, it's not a lease. But whatever. I'm done arguing with you. Anyway, for those people out there that are looking for a 3rd option, just google balloon auto loan. This isn't my dealer but a 5 second search found this article, which describes what me and others who wanted to pay cash have done:
https://www.stevelanderskia.com/blog/2018/january/7/what-s-a-balloon-payment-plan.htm The main advantage to this over a lease is that my name is on the title (not a lease company), so at buyout time, there is not a transfer of ownership, therefore no additional sales taxes.