I'm confused. Are you leasing or financing? Balloon payments are usually the least preferred way of going about purchasing something since you always end up paying more in the end. Might make sense leasing I suppose to get a lower monthly but if you finance and you trade in after a few years you are still responsible for paying off the rest of the vehicle. If staying with Mercedes they may just roll your old residual payoff into your new one but either way you still have to pay the car off.Well you can always trade in the car after the 48 months for a new AMG and not worry about the baloon :wink: also you'd have already have a couple thousand dollars for down payment thanks to the trade in.