Woman laughing on the trunk of her red convertible beside a desert road, with Sam the Solution Sloth standing on the car holding a clipboard

End your lease.
Own your car.

Want to keep your leased car? We help you buy it. No dealership visit required.

Step 1 of 3~2 minutes

Get My Buyout Options

Don’t have it handy? Continue without it →
No DMV trip in most statesBBB AccreditedNationwide

Lease Solutions LLC arranges financing through partner lenders and is not itself a lender.

“I love my car — I think I’ve got equity.”

You might. We book your car with the same values lenders use to finance it.

Get my buyout options

“Money’s tight — I can’t swing another car.”

Keep the car you’ve got at a payment that fits. No new-car sticker. No starting over.

Estimate My Keep-It Payment

“I’m way over my miles.”

Every extra mile gets billed at turn-in. Keep the car and the overage bill never exists.

See what keeping it costs
The Process Is Easy

Own your leased car in 3 steps!

1

Tell us about your car

Input your plate or VIN and in about a minute we’ll pull your year, make, model, and trim automatically. No paperwork to dig up.

Sam the Solution Sloth hanging from a woman's backpack, both looking ahead as Sam points into the distance
Sam the Solution Sloth and a woman review lease buyout options together on a fence

Explore your options

Your specialist confirms your car’s book value, your equity, and your exact payoff. Then they lay out your Keep-It options, clearly and in plain English.

2
3

Sign and keep driving

Complete your paperwork from home — we handle everything with the DMV and the bank. You keep the keys the whole time and never stand in line.

Sam the Solution Sloth and a woman celebrating as they drive away in a car with their hands raised

We protect your credit like it’s ours.

What touches your credit — and when.

  1. Your car + your numbers

    No credit pull

    Plate or VIN, your mileage, your payoff.

  2. Your estimated value, equity & Keep-It payment

    No credit pull

    Book values — the same numbers lenders use.

  3. Specialist review + exact payoff

    No credit pull

    We call your leasing company, not a bureau.

  4. You say go

    One careful credit application

    with the lenders we choose together. We tell you before anything is run.

If we don’t think it’s worth an inquiry, we’ll tell you straight — for free.

Hear It From Someone Else

Our customer testimonials.

Individual experiences and results vary. Lease Solutions LLC arranges financing through partner lenders and is not itself a lender.

Start-to-Finish

We'll handle everything.

Our team handles every step of your lease buyout, and the best part is you don't need to leave the comfort of your own home. Explore our services.

Lease buyout financing

Financing that fits your budget, shopped across trusted national lenders.

What’s included

Your buyout loan simply replaces your lease payoff — we arrange it for you through our network of partner banks and credit unions.

  • Terms from 36 to 84 months
  • Deferred first payment available
  • No prepayment penalties — pay it off anytime
  • Simple interest method loans only

Financing arranged through partner lenders; all loans subject to lender approval. Lease Solutions LLC is not a lender.

Start my buyout

Vehicle protection plans

Optional coverage for the road after your factory warranty ends.

What’s included
Lease Solutions × SmartCare

Most factory warranties are expiring right around lease maturity. We can tailor an optional protection package to your vehicle:

  • GAP protection — covers the gap between payoff and value if the car is totaled
  • Vehicle service contracts — mechanical repair coverage
  • Tire & wheel protection
  • Windshield coverage
  • Smart tech coverage
  • Key replacement

Protection products are optional, provided through third-party administrators, and are never required to obtain financing.

Ask about protection

Title, registration & plates

Everything with the DMV, handled — no DMV trip required.

What’s included

The paperwork is the part nobody warns you about. We do it for you:

  • Payoff quote and payoff letter with your leasing company
  • Title transfer filed correctly for your state
  • Registration and plates handled — you never visit the DMV
  • Title arrives in your name; plates come to you
Get started

Dedicated support

One lease specialist owns your deal from first call to final signature.

What’s included

No phone trees, no getting bounced between departments. You get one specialist who knows your deal by name.

  • U.S.-based team in Twin Falls, Idaho
  • Reach us by phone, text, or email
  • Monday to Friday, 8am – 5pm MST
Call (208) 825-3090
Financing That Fits Your End of Lease Needs

Buyout financing, 100% from home.

  • Rates from4.34% APR*
  • Terms36 to 84 months
  • Loan amounts$7,500 and up
  • Down payment$0 down available
  • First paymentdeferred start available
  • Prepayment penalties$0 — pay it off anytime
  • Interest methodsimple interest

See today’s rates by loan term →

What that looks like

Representative example: finance $30,000 for 72 months at 5.14% APR with $0 down.

$485.10 / month

$34,927.20 total of payments.

One specialist, start to finish. We shop our partner lenders and walk you through your options in plain English before you sign anything.

*Rates as low as 4.34% APR for well-qualified applicants on terms up to 48 months as of August 2026 and subject to change. Your rate depends on credit profile, loan term, vehicle, and state, and all loans are subject to lender approval. $0-down financing is subject to lender approval and not available to all applicants. Representative example: financing $30,000 for 72 months at 5.14% APR with $0 down is $485.10 per month and $34,927.20 in total payments. Payment figures are examples that cover the loan only — they do not include taxes, title, registration, or our $695 processing fee, which are typically added to the amount financed. Lease Solutions LLC arranges financing through partner lenders and is not itself a lender.

Two Ways This Ends

Every lease ends one of two ways.

In the next few months you either hand the keys back, or you keep them. Only one of those comes with an inspection.

A driver watching a service technician inspect her red car in the dealership return lane

Hand it back

  • $300+Disposition fee — typically $300 to $595
  • $0.25Per mile over your allowance, up to $0.30
  • Their callAn end-of-lease inspection you don’t control
  • BillWear and tear, priced after that inspection
  • ThenCar shopping again, at today’s prices
A driver relaxing in the red convertible she kept

Make it yours

  • OneSimple loan payment replaces the payoff
  • ZeroMileage caps or inspections, ever again
  • No DMVTitle, registration, and plates handled — no trip required
  • FullService history you already know and trust
  • YoursAny equity above the payoff stays with you

Turn-in figures are typical industry charges shown for illustration; your lease agreement sets the actual fees.

The Math

What does handing it back cost?

Slide to your situation. These are the charges a turn-in can trigger — buying out makes every one of them disappear.

3,000 mi
$395
Estimated turn-in bill
$1,395

due when you hand the keys back

  • Mileage overage $750
  • Disposition fee $395
  • Wear and tear $250
Buy it out instead: $0 in turn-in charges. Your payoff simply becomes your loan.

Estimates for illustration. Your lease agreement sets the exact rates and fees.

Why Choose Us

A specialist, not a call center.

One real person helps you with your buyout from the first call to the day your plates arrive. You get their direct line — not a queue, not a ticket number.

5.0/5

Google ratingevery review, five stars

35+ yrs

Combined industry experience

1

Person you talk to, start to finish

4.34%*

APR rates as low asfor well-qualified applicants

One specialist, start to finish

The person who runs your numbers is the person who calls your leasing company and the person who walks you through signing. You never re-explain your car to somebody new.

We make the payoff calls

Getting an exact payoff out of a leasing company is the tedious part. That's our job, not yours — we confirm the real number and bring it back to you.

We do the DMV work

The DMV line is the part everyone dreads. Skip it entirely — we handle everything with the DMV, title transfer through registration, and your new title and plates come to you. No trip, no line, no counter.

One flat $695 processing fee — disclosed before you apply. No markup on your buyout. Details →

Every buyout we arrange is financed through a partner lender, and the fee is typically included in your financing. Representative example: financing $30,000 for 72 months at 5.14% APR with $0 down is $485.10 per month ($34,927.20 total of payments). Payment figures are examples that cover the loan only — they do not include taxes, title, registration, or our $695 processing fee, which are typically added to the amount financed. Rates as low as 4.34% APR for well-qualified applicants on terms up to 48 months as of August 2026; all loans are subject to lender approval.

*Rates as low as 4.34% APR for well-qualified applicants on terms up to 48 months as of August 2026, may change at lender discretion, and may not be available at the time of loan approval. Your rate depends on credit profile, loan term, vehicle, and state, and all loans are subject to lender approval. Lease Solutions LLC arranges financing through partner lenders and is not itself a lender.

Common Questions

Answers before you ask.

What does Lease Solutions do?

We’re a one-stop shop for buying your leased vehicle. We find financing options from trusted national and regional partner lenders, offer optional protection packages like service contracts and GAP coverage, and handle everything with the DMV — title, registration, and plates — so you can spend your time on more important things.

How long does the process take?

Not long. About two minutes to get started, and most people complete the whole process in less than an hour.

Do I have to go to the dealership?

No — that’s the point of us. Financing, payoff, and title work all happen by phone and online, without a showroom visit. In most states there’s no DMV trip either — title, registration, and plates are handled for you.

Do I have to go to the DMV?

No. We handle everything with the DMV — title transfer, registration, and plates. The paperwork is filed correctly for your state, the title arrives in your name, and your plates come to you. No trip, no line.

Can I buy out my lease before my maturity date?

Yes, you can buy out early. It usually makes the most financial sense close to your maturity date — we generally advise within 3 months of lease maturity.

Do I have to worry about over-mileage fees?

Generally no. Over-mileage and wear-and-tear charges are turn-in charges, so at most leasing companies they simply never come due when you buy the car instead. What extra miles cost at turn-in

Will this affect my credit score?

Getting started and reviewing your value, your equity, and your estimated Keep-It payment with your specialist never touches your credit. Submitting an auto loan application involves a hard credit check — one careful application, only when you and your specialist decide it’s worth it. Multiple auto-loan inquiries within a 30–45 day window count as a single inquiry, and we handle the comparison shopping to keep the impact to a minimum. How the credit side really works

What does Lease Solutions charge?

One flat $695 processing fee — disclosed before you apply, typically rolled into your financing, and never a markup on your buyout or payoff. The full breakdown lives on our How We Get Paid page. How we get paid, itemized

What documents do I need?

Typically your VIN, current mileage, and a copy of your driver’s license, insurance, and registration — plus a payoff quote from your leasing company. Don’t have the payoff quote? We can help you get it.

Can I finance with less-than-perfect credit?

Yes. We work with a range of lenders and offer financing options for all types of credit, and your loan can be structured with up to one co-signer.

Sam, the Lease Solutions mascot, leaning on the corner of the screen
Your lease is ending — your car doesn’t have to go.

Keep the car.
Skip the dealership.

Two minutes to get started.

  • No credit pull for your estimate
  • No obligation
  • No dealership visit
  • BBB Accredited
  • U.S.-based support
  • No DMV trip in most states
  • Serving drivers nationwide