u/J_Qwellin

Hey all,
I did the thing no one says NOT to do. My ex signed a lease for a Kia and said I could have it. Everything is very cordial between us but now I’m moving out of state. The lease has a year left on it but I have been trying to get him to add me to it or sign it over to me. As expected our options are either buy out the car or terminate the lease and pay fees.
Now I’m wanting to buy it out. There’s about 16k left on it. I considered getting a bank loan to pay it out and have him sign the lease over to me but then the car would have a lien on it and I would have to pay it off complete before he signed it over to me. Which is a risky game. Plus, the bank wouldn’t let me take out that loan with the car not being in my name.
My next consideration was getting a personal loan not tied to the car at all. To the dealership that’s paid and done and he can sign the title over to me. Is this sketchy? It feels sketchy but possible.
Is this more of a hassle? Should I just say fk it and leave it for him to deal with? I only want it as I have been paying monthly on. The cars principal is basically 1/3 of the way paid off.
I’ve also considered if I’m going to get a loan might as well just dump it move states and go get a loan all on my own. But like I said this car is on its way to being paid off already without having to be paying interest on it.
Do I have options? I’m totally fine with just dumping it back on him before I leave the state of Illinois and going to get a new car. I’ve just been paying on this one and it would be NICE and IDEAL if I could just keep it.
Thanks!