Is Your Car Lease Ending?

Car Lease Buyout Loans

100% Online Process, No Dealership, No Hidden Fees

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Buy Out Your Lease & Keep the Car You Love

Thinking about handing your lease back in? You might want to hit the brakes. Buying out your lease can be the smarter, more cost-effective move, especially if your car’s in good shape and still fits your lifestyle.

Here’s why more drivers are choosing to keep the car they know and trust:

Avoid surprise fees

Dealers love tacking on $350–$500 “disposition fees,” plus mileage overages and wear-and-tear fines. You could skip all of that

Ditch dealer upsells

Returning your car often means facing pushy sales tactics and inflated payoff quotes. A lease buyout gives you more control, with zero pressure

Keep the car you already love

You already know every rattle and radio preset, it’s your car. Why trade it in for something you might not even like

Potentially pay less than starting fresh

With used-car prices still high in 2025, your buyout price might be the bargain, plus, you could even build equity instead of watching a loan payment vanish

How Does Buying Out a Lease Work?

Buying out your lease is easier than you think, especially when you skip the dealership and do it online. This is how the process plays out.

Get Your Lease Payoff Amount

Call or log into your lease account and request the payoff quote. It’s the number you’ll need to officially buy the car.

Apply for a Car Lease Buyout Loan

Once you know your buyout price, it’s time to explore financing.
When you apply online, you can expect to:

1. Get matched with rates and terms based on your credit profile

2. Find no dealership markups or surprise add-ons

3. Choose the offer that works best for you

Complete Your Lease Buyout Paperwork (1)

Finalize and Take Ownership

After you select your loan, we take care of the rest.
Next steps? We’ve got those covered:

1. Your loan is funded and sent directly to the leasing company

2. We manage the title transfer and registration

3. The car is officially yours, no more lease payments, no more guesswork

Car Lease Buyout Loan Rates

When it comes to financing your lease buyout, you deserve competitive lease buyout loan rates with no fine print.

APR range: 5.9% to 13.5% (depending on credit profile)
Loan terms: 36 to 72 months
Loan amounts: $5,000 to $60,000
No prepayment penalties: Pay off early without extra fees
Flexible approval: We work with a wide range of credit scores

Why Choose Lease End Department for Car Lease Buyout Loan

Lease buyouts aren’t a side service for us, they’re what we do. Thousands of drivers have already used Lease End Department to skip the mess and take the wheel for good.

Drivers trust us with their buyout because we have:

100% Online Process

No dealer visits. No DMV lines.

With us you can:

Apply in minutes using your VIN or license plate

Review your financing and protection options online

E-sign your paperwork from anywhere

Transparent, Competitive Loan Rates

No guesswork. Just straightforward terms.

What you’re signing up for:

Rates from as low as 5.9% APR

Terms from 36 to 72 months

No prepayment penalties

Nationwide Support

Wherever you live, we’ve got you covered.

We offer:

Availability in all 50 states

Local title and registration handled for you

No dealership visits required

Lease Buyout Experts

We’re not just another lender. We know this process inside and out.

This is because we have:

Thousands of lease buyouts completed

Team trained specifically in lease-end scenarios

Direct support via phone, email, or chat without bots

Real Customer Success Stories

“The process was smooth, stress-free, and honestly a lifesaver.” – Paul M.

“I was walked through the process step-by-step!” – Doneta N.

“They found a lender that suited my needs in minutes.” – Florida T.

Get Started On Your Auto Lease Buyout Loan Today

At Lease End Department, we help you turn the car you’ve been leasing into the car you own, without ever setting foot in a showroom. Your car. Your decision. We’re just here to make it easy.

Fast, flexible financing

Apply online, compare offers, and get pre-qualified in minutes, no hard credit check required

100% remote process

We handle the paperwork, DMV, title, and plate delivery, while you stay in control from home

No hidden fees or markups

What you see is what you get. Transparent loan terms and honest rates

Available Nationwide, Wherever You Are

No matter what state you live in, we have you covered from start to finish.

Start Your Lease Buyout

Discover tailored solutions, exclusive savings, and stress-free support for your lease-end journey.

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Car Lease Buyout Loans: FAQs

Yes, in most cases you can. This is called an early lease buyout, and it lets you purchase your car before your lease term ends. Just be sure to ask your lender if there are any early buyout fees or remaining payments that may apply.

Absolutely. That’s exactly what a car lease buyout loan is: it gives you the funds to purchase your leased vehicle, which you then repay monthly like a typical auto loan.

Rates vary based on your credit score, loan term, and the lender. Most lease buyout loans range from 5.9% to 13.5% APR. Getting pre-qualified is the best way to see what rate you qualify for.

They can be, especially if your car’s market value is higher than your buyout price. A buyout also lets you avoid return fees, excess mileage charges, and the hassle of car shopping again.

Only if you miss payments. Applying for a loan may result in a small, temporary dip in your credit score, but responsible repayment can actually boost it over time.

No problem. We work with leases from all major providers, U.S. Bank, Toyota Financial, Honda Finance, and more. As long as you have a valid lease, we can help with the buyout process.