Everything drivers ask us about lease buyouts. Don't see yours? Call (208) 825-3090 and ask a real person. Wondering what we cost? That has its own page: every dollar, before you apply.
We’re a one-stop shop for buying your leased vehicle. We find financing options from 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) with no DMV trip for you in most states.
Contact us by phone or through the online form, and a Lease Specialist will guide you through the entire process.
About two minutes to get started, and your part usually takes under an hour. After that, the payoff, funding, and title follow your leasing company’s, lender’s, and DMV’s timelines, and we keep you posted along the way.
Submitting an auto loan application involves a hard credit check. 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.
Absolutely. In most cases the factory warranty is expiring at lease maturity, so we tailor a protection package for peace of mind.
Yes. Your loan can be structured with up to one co-signer.
Yes, you can buy out early. It usually makes the most financial sense within about 3 months of lease maturity.
No. With a buyout the car becomes yours, so there are no over-mileage fees.
Your VIN, current mileage, driver’s license, insurance, and registration, plus a payoff quote from your leasing company (we can help you get that quote).
In most states, 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. A few states require an in-person or dealer-processed title step, and we coordinate that with you.
Often, yes. Options may be more limited and rates higher, but a co-signer can help, and loans can be structured with up to one co-signer. Financing is arranged through partner lenders and all loans are subject to lender credit approval.
Our specialists will walk you through the pros and cons based on your situation and your plans.
Financing arranged through our partner lenders is simple-interest only, with zero prepayment penalties.
Yes. You do not need to wait until maturity to do a lease buyout.
One flat $695 processing fee, disclosed before you apply and typically rolled into your financing. It covers payoff coordination with your leasing company, title and registration handling, document prep, and your specialist start to finish. We never mark up your buyout or payoff. Lenders also pay us for arranging completed loans; that comes from the lender’s side of the deal, not yours. The fee is itemized at leasesolutions.com/how-we-get-paid/, and how lender compensation works is explained in full in our Learn Center article on how we make money.
No. Seeing your car’s value, your equity, and your estimated Keep-It payment never touches your credit: no bureau is contacted at any point before you submit a credit application.
A credit inquiry happens only when you submit a credit application, after you and your specialist have seen your numbers and decided it’s worth one. We never blast your application out to a list of lenders: every inquiry is one we chose with you, and we tell you before it happens.
No. Service contracts and GAP coverage are optional, and we always show you the no-protection option. The loan works either way.
Yes. Sometimes the math says turning the car in is your better move, and we’ll tell you that for free. We’d rather lose a deal than put you in a bad one.
A Lease Specialist can answer questions about your exact lease and walk you through your buyout options. No obligation, no dealership visit.