Three ways to pay

The same vehicle, three ways

Below is one real vehicle — a 2027 Chrysler Pacifica Select with a Rollx side-entry conversion, $82,495 for the vehicle and the conversion — priced under each arrangement. The van is identical in all three columns. What changes is who owns it, who administers it, and what the trust is holding at the end.

MSS PremierManaged lease · 60 months

$1,674.72

per month for 60 months

Due at delivery$4,995

Total out of the trust: $105,478
Owner during the term: MSS
At the end: Return it, or buy it for $39,000 — fixed at signing

Why choose itThe trust wants a vehicle, not a vehicle to manage. Oil changes, rotations, flat tires, brakes, parts and conversion repairs are reimbursed by MSS for five years, registration is financed with a reminder when tabs are due, and we help whenever the family asks. It also commits roughly $12,500 less capital at delivery than any other route.

MSS FlexFinance to own · 66 months

$1,316.02

per month for 66 months

Due at delivery — 20% down$17,521

Total out of the trust: $104,378
Owner during the term: The trust, from day one
At the end: Owns the vehicle free and clear

Why choose itThe trust wants payments rather than one check, and wants the beneficiary to own the van. Holding title from day one also means the trust can act the moment the need changes.

Direct PurchaseFinanced by the trust's own bank, or cash

$1,714.06

per month for 60 months, at 6.5%

Or pay cash$87,603

Total out of the trust: $102,843 financed · $87,603 in cash
Owner during the term: The trust, from day one
At the end: Owns the vehicle outright

Why choose itThe trust can borrow on better terms than we can offer, or it has the funds and sees no reason to pay interest. We price the vehicle for either and say so plainly: paying cash is the least expensive route on this page.

About the 6.5% — it is an illustration, not our rate

MSS does not lend on the Direct Purchase column and does not set that rate — the trust's own bank does. The 6.5% over 60 months is shown so the three routes can be compared on one page; run the figure again with whatever rate your lender actually quotes. Note too that outside paper on a converted vehicle held by a trust is a narrow market, and not every trust will be offered terms like these. That is the gap MSS Flex exists to fill.

About insurance — separate from every figure on this page

Insurance is not inside any payment or total shown here, on any of the three. We do not set the premium and it is not ours to control — it moves with the drivers, the location, the coverage chosen and the insurer's own pricing. On Premier, MSS arranges the policy and bills it separately at cost; under Flex and a direct purchase the trust arranges its own coverage. Any figure we quote for it is a guide, not a quote.

Line by line

Everything that differs between them

	MSS Premier	MSS Flex	Direct Purchase
The money
Due at delivery	$4,995	$17,521	Whatever the trust's lender asks — the figures below assume nothing down
Monthly payment	$1,674.72 · 60 months	$1,316.02 · 66 months	$1,714.06 · 60 months at 6.5%, or none if the trust pays cash
Total out of the trust	$105,478	$104,378	$102,843 financed · $87,603 in cash
Insurance	Not in the payment. MSS arranges the policy and bills it separately at cost.	Not in the figures. The trust arranges its own coverage.	Not in the figures. The trust arranges its own coverage.
Registration renewals	All five years financed inside the payment	First year financed; roughly $740 a year to the trust from year two	First year in the delivered price; roughly $740 a year to the trust from year two
Mileage	15,000 a year, $0.20 a mile beyond it — priced at signing	No limit	No limit
At the end
Who owns the vehicle	MSS, throughout the term	The trust, from day one	The trust, from day one
When the term ends	Return it to MSS, or buy it for $39,000 — the price is fixed at signing and does not move with mileage, condition or the used market	The trust owns it free and clear at month 66	The note is paid off and the trust owns it outright; nothing to end if it paid cash
Ending it early	The lease requires a minimum of 48 payments. There is no early-termination product; if this matters, Flex is the better answer.	The trust holds title and can sell whenever the need ends. A return option is also available at month 36.	The trust can sell at any time and clear the note from the proceeds
What the trust holds at the end	Nothing, unless it buys the vehicle	A titled vehicle, with structural conversion warranty still running	A titled vehicle, with structural conversion warranty still running
Who takes care of it
Maintenance & repairs	Five years, at no cost beyond the payment — the family has routine maintenance done where it suits them and MSS reimburses it; conversion repairs and parts covered. Factory-warranty faults and recalls go to the manufacturer's dealer.	The trust arranges and pays for it	The trust arranges and pays for it
Protective coverage, years four and five	Inside the payment	Available separately	Available separately
Roadside assistance	Five years, inside the payment	Available separately	Available separately
Registration	Prepared by MSS after delivery; five years financed in the payment	Prepared by MSS after delivery; renewals from year two are the trust's	Prepared by MSS after delivery; renewals from year two are the trust's
Conversion warranty & at-home service	Yes	Yes	Yes
Suits a trust that	Wants it all committed at delivery and nothing to administer for five years	Wants the vehicle to be an asset it controls, and payments rather than one check, without having to find a lender	Can borrow on its own terms, or has the funds and no wish to pay interest

Figures from an actual 2027 quote on one vehicle — $82,495 for the vehicle and conversion, registered in Minnesota — shown to make the arrangements comparable. Any trust's quote will differ with the vehicle, the conversion, the state and the date. All three include a fully converted vehicle, registered, titled and delivered.

Reading the totals fairly. Premier's total carries maintenance, protective coverage, roadside and five years of registration inside it. On Flex and Own the trust buys those separately — about $11,550 at our list prices — so add that figure before comparing the three totals to each other. Premier's total is the lease only; keeping the vehicle at the end adds the $39,000 buyout.

Three questions that usually settle it

Not which program is best. Which situation you are in.

Administer it, or not?If nobody at the trust wants to budget for and pay maintenance, repairs and renewals for five years, that is Premier's entire reason to exist.
Is the need settled?If the beneficiary's horizon is uncertain, holding title matters — the trust can act the moment the need ends rather than waiting out a term. That points to Flex or Own.
Hold the cash, or hold the asset?A trust that would rather keep its assets invested pays interest for the privilege — to us, or to its own bank. A trust with cash on hand and no better use for it should not pay interest to anyone, and we will price it that way.

Decide the vehicle first. The paperwork is the easy part.