Abstract: A system, method, means, apparatus, and computer program code for clearing an automobile contract where a dealer has or will be providing financing to a purchaser of the automobile. According to embodiments of the present invention, one or more contract parameters for sale of an automobile are established or otherwise determined. Once at least one contract parameter is determined or established, a dealer or another party one behalf of the dealer, may auction the contract among one or more lenders. A lender may be notified of a contract available via auction by receiving a communication (e.g., email message, telephone call) regarding the contract. Once a winning bid for a contract is determined, the dealer or party conducting the auction may notify the winning lender, automobile purchaser, etc. Also, a dealer may sell the contract to the lender in accordance with the lender's winning bid.

Abstract: A system, apparatus, method, computer program code and means for lease buyout includes identifying an alternative financial product by calculating a payment difference between a loan and a lease for an item, where the loan and the lease have a term, and where the payment difference includes at least a recurring payment difference equal to the difference between a recurring payment for the loan and a recurring payment for the lease. An investment option is identified which has an expected rate of return. An investment value at the end of the term is calculated based on investment of the payment difference amount in the investment option.