It's been pretty well established that the best deal on a Stinger is to get the Lease cash and pay the lease off immediately (or take out a loan with a lower rate than the 5.5% lease APR). I've seen that some folks have used balloon financing to get the lease cash, avoid paying the lease acquisition and purchase option fees, and avoid the title transfer. Does anyone know what states allow balloon financing? Is it rare, or is it allowed in a majority of states? More specifically to me, is it available in Indiana? Also, what is the APR rate for balloon finance?