Buy out your lease
the easy way
Start with your plate. We find your car, you answer a few quick questions, and a lease buyout specialist calls with your options. Takes about 5 minutes.
From lease to keys in four steps
You do the first step. We do the rest.
Tell us about the car
Plate, mileage, who your lease is through and how to reach you. About 5 minutes.
We shop the rate
A specialist takes your payoff figure to banks and credit unions, not just one lender.
Sign at home
Paperwork comes to you with a pre-paid return envelope. We handle the DMV and the title.
Drive on
No mileage penalties, no wear-and-tear charges, no handing back a car you like.
No dealership. No handing
the keys back.
A lease that ends is usually a car you already know, already maintained, already the right size for your life. Buying it out means none of that changes, and none of the end-of-lease charges land.
- No over-mileage bill and no wear-and-tear inspection
- No disposition fee and no pressure to lease again
- Warranty and gap coverage can be renewed at the same time
We have an extensive network
So the rate you get is the best one available, not the only one on offer.
Why drivers choose Lease Maturity
Sixteen years doing one thing, for sixty thousand people.
Lease buyout experts
Sixteen years on lease buyouts and nothing else. It is not a side product here, so the process is already worked out before you call.
Best rates and coverage
Banks, credit unions and top financial institutions compared on your payoff. We can renew warranty coverage and gap insurance at the same time.
Nationwide buyouts
All fifty states, from application to final ownership. Wherever you live, the paperwork comes to you.
Customer first
Sixty thousand customers, five-star Google reviews and an A+ BBB rating. The reviews below are real and unedited.
Trusted by drivers nationwide
I recently bought out my lease through Lease Maturity Services, and the entire process was seamless.
Gabe was professional and thorough. He provided a pre-labeled and paid FedEx envelope to return all of the signed paperwork.
Shout-out to Steve from Lease Maturity Services for exposing my dealership's blatant lies about outside financing.
Mike King from Lease Maturity Services recently helped me through the process of buying out my lease.
Got questions? We've got answers.
Quick answers to the most common questions about lease buyouts, financing and warranties. If you don't see yours, our team is a call away.
Lease buyout basics
What is a lease buyout?
A car lease buyout is when you purchase the vehicle you're currently leasing instead of returning it to the dealership at the end of your lease. Essentially, you're buying the car you've been driving. Many people finance this purchase with a lease buyout loan, which spreads the cost of the buyout into manageable monthly payments, making it easier to move from leasing to ownership.
When can I buy out my car lease or start the process?
You don't have to wait until the lease is almost up to start the process, but a lease buyout is often most cost-effective toward the end of the lease term. If you still have the car, we can guide you through the steps to make the transition as easy as possible.
What happens at the end of a car lease?
At the end of your lease you have three options: return the car to the dealership, renew or extend the lease, or buy out the lease by paying the predetermined buyout price and taking ownership of the car. Buying out can be a smart move, especially if the buyout price is below market value, you know the car's history, and you want to avoid extra fees or inflated replacement costs.
How do I know if I can buy out my car lease?
Check your lease agreement for a buyout clause. Most leases include this option. You can also reach out to our team and we'll be happy to help.
Can I buy out my lease in full and pay cash?
Yes, you can buy out your lease by paying the full remaining balance in cash. It's worth considering the impact on your credit profile first. We recommend talking it through with our team and a financial advisor to find the best option for your situation.
Do I need a co-buyer or co-signer on my lease buyout loan?
It's not necessary, but you can add one. A co-buyer has equal legal ownership of the car with you, while a co-signer has no ownership but agrees to be responsible for the loan if the primary borrower can't pay. Either can help you qualify for better rates and terms. Your specialist can walk you through it.
Can someone else buy out my leased car?
Yes, it's possible. Contact our team directly and we'll help you with the details.
Working with Lease Maturity Services
How does Lease Maturity save me money?
We can end your lease early and get you the best interest rates, with our lenders competing for your business. All from the convenience of home.
Can I buy a new warranty for my car if I buy out my lease?
Yes. We offer full coverage warranty protection, and gap insurance can be renewed at the same time.
Do I have to go to the DMV for taxes, license and title work?
No. Lease Maturity completes all tax, title and license plate processing, so it's done right with no effort on your part.
Lease Maturity Services vs. dealerships
Why not just buy out through my dealership?
Dealers want to sell you the next car and take your lease back to sell used for a profit. Lease Maturity is fast and convenient, with better interest rates than dealers. It's all we do, every day, and we've processed more lease buyout loans than any other company in the nation.
How long has Lease Maturity been offering lease buyouts?
Over 16 years. We take a difficult decision and make it easy to complete. If you want the personal touch, our team is standing by toll-free. If you prefer online, our system is ready for you.
Keep the car you love,
on your terms
Start with your plate. Nothing personal until screen five, and no social security number at all.