I have got out of leases early several times, I always got out unscathed because I was selective about what I bought and worked rebates, employee pricing and I have a good, longstanding relationship with a Sales Manager at my FCA dealer.
Coming from another brand vehicle and buying a Cherokee, I can only say this: I hope you aren't attached to your cash, because its going to take a pile of it to rectify the mistake you just made.
There is a 99% chance your lease is through Chrysler Capital. Bad news there, CCAP doesn't allow leases to be transferred between married couples if both of them weren't listed on the original lease. You can't sell or transfer your lease, so that's not an option for you at this time.
Here is the truth about what you are looking to do: Its a horribly bad idea, almost as bad as you buying a car without taking a test drive long enough to decide the seats were not for you.
Seriously you will need your Jeep to trade in for an amount that is equal to the remaining payments on the lease, plus the lease buy out price plus the $1,500 early termination penalty and a $300 disposition fee. There is a good chance that your 2 week old Jeep is now $10,000 less than all those amounts.
The idea of going to a RAV4 may sound appealing, but remember that when the Toyota dealer takes care of your lease, it doesn't get rid of the fact that buying out the lease is more than the trade in value on the Jeep you just purchased.
For every $1,000 the Jeep is worth in value less than the lease buyout, the RAV4 payment will go up $100 a month on a 5 year loan or 3 year lease. Once you have exceeded 120% of the MSRP of the RAV4 (in other words the negative equity is more than 20% of the MSRP) the bank or leasing company won't extend you any more credit.
They will then require you to put cash down in the amount of negative equity that remains after they finance or use the 120% value as the capitalized cost for the lease.
You will part with a large sum of cash, between $6,000 and $9,000 in my experience to get rid of this vehicle and the next slap is that because you borrowed more than the MSRP and the vehicle depreciated when you sign your papers, you need GAP insurance to cover your from financial impact against a total loss situation on the vehicle where your automobile insurance will never cover the amount you borrowed on the vehicle.
The only way you can successfully do this without paying that money is to have bought a vehicle with really high resale like a Wrangler, which you did not. (A Cherokee doesn't hold its value like a Grand Cherokee or Wrangler) and then trade it in on a vehicle with a $6,000-$9,000 rebate to cover the negative equity. Right now the only vehicles with rebates like that are the biggest and most expensive RAM trucks and Highest end Chargers and Challengers.
Take your Jeep to an auto trim shop and have them adjust the foam to help you get a seat adjustment you can live with.
