I traded off my 2000 Dodge Ram back in May of this year (6 months early). That truck was under a balloon payment (4 year) that was to run out this month. When traded, we paid the remaining payments plus the $400 "disposition fee" at that time. The truck was very well taken care of, WAY below allowed mileage, nearly new tires, all scheduled maintenence (done by dealer), and quite clean. When we turned it in, the dealer did their inspection (required by the finance company) that turned up very clean with soem slight superficial scratches that I didn't have...