In the case of a rental financing contract, the payments, even if they contain a super-balloon contract, amortize the remaining balance at zero. 25. I paid my finance company default interest and fees above the limit. Can I send a release notification to the company that is financing and get a refund? 9. I am a person/car rental company with a lease agreement with a finance company. Does the law apply to me? Buying a lease is a way to finance the purchase of a new or used car. You (usually) pay a deposit and pay the value of the car in monthly payment, the credit being guaranteed against the car. increase in the fees or interest rate to be paid under the contract, unless such an increase (i) is fixed by the treaty; (ii) by referring to a formula (e.g. .