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I have 4 months left on my auto lease. The market value of my car is 19-22k. Right now my payoff amount for the lease

I have 4 months left on my auto lease. The market value of my car is 19-22k. Right now my payoff amount for the lease is 20600. I want to get another car so I have been inquiring at dealerships and the average value of a used car I like are 42k.The ARP for used will be I assume 14%? What should I do

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