Ally didn't give me any trouble at all when I turned mine in. There was a scratch on the door that was longer than the limit and I was really worried I'd get hit for it. But they didn't charge me for anything. Toyota Financial was good to work with as well - they sent an inspector out a few weeks in advance who produced a detailed report before they left. The tires were marginal, but again no problems. I have a lease with BMW and I'm not expecting any trouble from them - seems they go out of their way to avoid doing things that could lose a customer.