By Austin D., Lease Solutions
Chase Auto sells your leased car directly to you, by mail, any day of the lease: call your brand's line, get the buyout packet, send back a check with the signed federal odometer statement. An outside bank or credit union can fund it: Chase's restriction is on third-party buyers, not on how the named lessee pays. The one quirk that matters: Chase releases the title to you, lien-free. Your lender's lien gets added at the DMV afterward, which is why the lender you pick needs to know lease buyouts. That's exactly the structure we handle, with financing arranged through partner lenders.
Wait, My Subaru Lease Is a Chase Lease?
Chase Auto is the private-label lessor behind a surprising roster: as of 2026, Subaru Motors Finance, Jaguar and Land Rover Financial Group, Aston Martin Financial Services, Maserati Capital USA, plus McLaren and Rivian programs all run on Chase's servicing, and the partnerships are current (Maserati renewed with Chase in March 2026; Aston Martin extended in September 2024). Each brand has its own portal and phone numbers, but the lease behind the badge is a JPMorgan Chase lease, and the buyout process is the same machine. One planning note for Subaru drivers: Subaru has announced plans to launch its own captive finance company by 2030, but as of 2026, Chase remains the lessor and servicer of Subaru Motors Finance leases.
Yes, You Can Buy It Any Day of the Lease
Chase's official pages are unusually clear on this: you can purchase your leased vehicle at any time during the lease, early or at maturity. Two ground rules from their published materials:
- Only a lessee named on the lease agreement can buy the car. Chase says it plainly: it can't accept a purchase from a third party, such as a friend or family member. (Its current pages don't address a dealer buying the car; more on that below.)
- No dealership visit required. Chase sells directly to the lessee by mail: you request the packet, they send forms, instructions and your purchase amount, and you mail everything back.
The price is your residual value plus the purchase option fee. There's no standard published fee amount; the official Subaru Motors Finance lease guide says it's specified in your lease agreement, so pull out your contract. Add any unpaid amounts on the account (late charges, personal property taxes, parking or traffic citations), plus sales or use tax where applicable. State title and registration fees are paid separately at your DMV. They're not in Chase's figure. If you want to sanity-check the math first, the buyout calculator takes about a minute.
Getting Your Payoff Quote
Where you get the number depends on how far you are from the end of the lease. Per Chase's published materials as of September 2026:
- More than six months before your maturity date: Chase's FAQ says you can get your “lease purchase balance” at chase.com.
- Less than six months before your maturity date: Chase says to contact them. For Subaru Motors Finance, the contact page lists 1-866-401-9743 for lease-end help and 1-800-644-1941 for lease help, and you can also send a message on chase.com to request your purchase quote.
- How long the quote lasts: Chase publishes no fixed validity window. Check the “good through” date printed on the quote document itself. If the quote period overlaps a payment due date, the quote shows a separate Monthly Payment Due. Chase says that isn't an extra payment: the amount was subtracted from the Purchase Price, and the Total Purchase Price is what you pay to close the account.
Leasing through Jaguar, Land Rover, Maserati, Aston Martin, McLaren, or Rivian? Same Chase machinery, different front door: use the phone number and portal for your brand.
Financing With an Outside Bank or Credit Union
Here's the part Chase's pages never quite spell out, and the reason most readers are here. Chase's third-party restriction is aimed at who buys the car, not at how the named lessee funds the purchase. Its current payoff instructions list personal checks, cashier's checks, money orders, and wire transfer. A check issued by your bank or credit union for the buyout amount, sent in with your packet, is how outside-financed Chase buyouts close in practice. No official Chase page is addressed to outside lenders, so confirm the mechanics with Chase directly when you request your packet, but the structure is standard. Three mechanics to get right:
- The payee line: Chase's current pages don't publish a payee for lease purchases, so have your lender write the check to the payee exactly as printed on your purchase quote. The mailing address is different from your monthly payment address, too: the Subaru Motors Finance contact page sends lease payoffs to “Subaru Motors Finance c/o Chase Auto” in Monroe, Louisiana. Use the payee and address on your quote; documents like that are subject to change.
- The title goes to you, not your lender. Chase will not record your new lender as lienholder. It releases the title lien-free to the lessee, at the address on your account statements. Your lender's lien is then perfected at the state DMV when you retitle the car in your name. That's standard for lenders experienced in lease buyouts, but some walk-in credit unions refuse the deal over exactly this, because they want their lien on the title before funding.
- What Chase won't take: per the official Subaru Motors Finance lease guide, no credit cards, no cash, no third-party checks, no title-stipulated drafts, no checks with restrictive endorsements. The buyout also must include a signed, federally required Odometer Disclosure Statement (more on that below).
We found no dealer-only-state restrictions in Chase's materials. The direct-by-mail process applies nationally. Chase also offers its own lease-purchase financing to lessees named on the original lease; treat that as one quote, not the only one. This is where a broker earns its keep: one application, compared across partner lenders that already know the title-comes-to-you structure, and no bank-by-bank phone tour to find one that won't flinch.
Fees and Gotchas
- The purchase option fee is contract-specific. There's no published standard amount. It's in your lease agreement, and it rides on top of the residual.
- The odometer statement is the hidden title-delay trap. Title release waits on both the $0 balance in good funds and the processed odometer form. Send the check without the signed statement and your title waits on paperwork, not money.
- Trailing bills survive the buyout. Chase can bill you after the purchase for unpaid citations and personal property taxes from prior periods.
- Budget for the DMV round. Sales or use tax, title, and registration fees are paid to your state after Chase sends the title and bill of sale. They're not in the Chase payoff figure (except where state law has tax collected in the payoff).
- Ask before you sell to a dealer. Chase's current lease-end pages don't address a dealer buying your car, or what a dealer would pay compared with your own purchase amount. If a dealer makes an offer, ask Chase whether that's allowed and what the dealer's payoff would be before you agree to anything. If the car is worth more than your residual, buying it yourself first is how you keep that equity.
The Title Process, Start to Finish
Once Chase has good funds for the full payoff and has processed your signed Odometer Disclosure Statement, it mails the title and a bill of sale to the address on your auto account statements. Chase's current brand pages say the title goes out promptly or based on state requirements, and to allow up to 45 days after the final payment posts, depending on mail time and state DMV processing. Plan around the 45 days.
Then comes your half: take the title and bill of sale to your state's DMV, complete the transfer paperwork, pay title and registration fees and any sales tax. If you financed the buyout, your lender's lien is recorded here. Wondering what to have in hand? Here's every document a lease buyout needs.
Or: One Call Handles the Whole Chain
Payoff packet, financing arranged through partner lenders who know the Chase structure, the check to the right payee, the odometer statement in the same envelope, and the DMV retitle with your lender's lien recorded, all run with you by phone and online for one flat $695 fee, with taxes and state charges paid at cost. Start with the buyout calculator or get your buyout options, with no credit pull to see where you stand.
Chase Auto Lease Buyout FAQ
Can I use my own bank or credit union to finance a Subaru Motors Finance (Chase) lease buyout?
Yes. Chase’s third-party restriction is about who buys the car, not how you pay for it. Only a lessee named on the lease agreement can purchase, but Chase’s published payoff methods include cashier’s checks and wire transfer, and in practice lessees close these buyouts with a lender-issued check mailed to Chase. The catch: Chase won’t record your new lender as lienholder. The title is released to you, and the lender’s lien is added at your state DMV when you retitle. Confirm the mechanics with Chase when you request your packet, and use a lender comfortable with that structure.
Who is a Chase lease buyout check made payable to?
Use the payee printed on your purchase quote. Chase’s current pages don’t publish a payee for lease purchases. The Subaru Motors Finance contact page addresses lease payoffs by mail to “Subaru Motors Finance c/o Chase Auto” in Monroe, Louisiana, which is not the address for monthly payments, and Jaguar and Land Rover lease payoffs go to the same Chase Auto address under their own brand names. Have your bank or credit union copy the payee and mailing address exactly from the quote Chase sends you before it cuts the check.
Will Chase add my new lender to the title?
No. Once your account is paid in full with a $0 balance in good funds and Chase has processed your signed odometer statement, it mails the title, lien-free, to the address on your account statements, along with a bill of sale. Your lender’s lien is then perfected at the state DMV during retitling. Some walk-in credit unions decline lease buyouts over exactly this quirk, so ask before you apply, or work with lenders that handle it as a matter of course.
How long does it take to get the title after a Chase lease buyout?
Chase’s current brand pages say the title is sent promptly or based on state requirements, and to allow up to 45 days after the final payment posts, depending on mail time and state DMV processing. And title release waits on two things, not one: the $0 balance in good funds AND the signed federal Odometer Disclosure Statement. Missing paperwork delays your title as surely as missing money.
Can I buy out my Chase Auto lease early?
Yes. Chase’s official FAQs say you can purchase your leased vehicle at any time during the lease, not just at maturity. Where you get the purchase amount depends on timing: Chase’s FAQ says that if you are more than six months before your maturity date, you can get your lease purchase balance at chase.com, and if you are less than six months out, you contact Chase (Subaru Motors Finance lists 1-866-401-9743 for lease-end help). Your quote is good through the date printed on it. If the quote overlaps a payment due date, it shows a separate Monthly Payment Due. Chase says that isn’t an extra payment: that amount was subtracted from the Purchase Price, and the Total Purchase Price is what you pay to close the account.
Lease Solutions LLC is an independent lease-buyout financing broker, not a lender, and is not affiliated with, endorsed by, or sponsored by JPMorgan Chase, Chase Auto, Subaru Motors Finance, or any vehicle brand named above. Financing is arranged through partner lenders; all loans are subject to lender credit approval. Information about Chase Auto's lease programs comes from their published materials (including the Subaru Motors Finance purchase page, lease-end FAQ, official lease customer guide, and Chase Auto's lease-end pages) as of September 2026, and can change. Confirm current details, phone numbers, payee, and process with Chase directly before you act. This article is general information, not legal or financial advice.