This depends on your chosen finance option. For many, it means owning the car outright, while others may have different options. You could trade in the vehicle, return it and use the Guaranteed Future Value to repay the loan balance, or upgrade to a new model with a new finance contract (subject to lending criteria and T&Cs apply). You may also choose to apply to refinance any outstanding balloon amount (this would be subject to our standard assessment criteria, terms and conditions).