Auto Lease Extension Policies by Manufacturer

Nathan Buhler

Published 7/21/26

leasing manufacturers toyota honda ford gm bmw mercedes-benz hyundai nissan subaru volkswagen mazda tesla volvo stellantis

TL;DR (7-minute read): Most manufacturers will let you extend your lease month-to-month when it ends, but for how long, how much it costs, and what strings are attached varies wildly by brand. This guide breaks down the extension policies for every major automaker so you know exactly where you stand. And if extending isn't your best move, Lease End can help you buy out your lease online in minutes, with no dealership required.

Across the 19,287 lease buyouts Lease End completed in 2025, the average driver finished their term at 36,954 miles, which is 954 miles past the standard 36,000-mile cap. Every month of extension adds to that number, and mileage overage charges of 10 to 30 cents per mile do not pause during an extension.

Auto Lease Extension Policies by Manufacturer: What to Expect When Your Lease Is Ending

Your lease end date is creeping up, and you're not quite ready to make a decision. Maybe you haven't found your next car. Maybe you're still trying to figure out if buying out makes sense. Maybe life is just busy and you'd really like a few more months with the car you already know and love.

Good news: you probably can extend. Most manufacturers allow month-to-month lease extensions when your term ends. Bad news: the rules aren't the same across the board, and some of them come with real costs or catch-you-off-guard restrictions.

This guide breaks down the extension policies for all the major manufacturers, so you can make an informed decision, avoid surprise fees, and figure out whether extending, buying out your lease, or turning in the car is actually your best move.

What Is a Lease Extension, Exactly?

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A lease extension, also called a month-to-month extension, is when your leasing company allows you to keep driving your vehicle past the original contract end date, usually on the same terms as your existing lease. You typically keep paying the same monthly amount, same insurance requirements, and same mileage restrictions.

Extensions are not automatic. You usually have to request one, and the leasing company has to approve it. Most do, but the length they'll allow, the fees involved, and whether your GAP coverage continues all depend on the manufacturer's financial arm (called the captive lender).

One important thing to know: even if you extend, mileage overages still apply. If you're already over your limit, those charges don't pause during an extension. Plan accordingly.

What an Extension Actually Costs in Mileage

Lease End data from 19,287 completed buyouts in 2025 shows what an extension really costs. The average driver hit lease-end at 36,954 miles, already 954 miles over the 36,000-mile cap. At the standard 10 to 30 cents per mile, that is roughly $300 owed before an extension even begins.

Extend for six months at the typical driving rate, and that gap widens fast. Some vehicles are far worse. Jeep Wrangler lessees in the Lease End dataset averaged 44,740 miles at lease-end, 8,740 miles over the cap, which works out to about $2,622 in overage fees. Extending a Wrangler lease for six more months can add well over a thousand dollars to a bill you will pay at turn-in.

Some states run higher than others. Maine drivers in the Lease End dataset average more than 41,000 miles at lease-end, roughly 5,000 over the cap. Arkansas drivers typically put on 14,000 to 15,000 miles per year, well above the 12,000-mile lease standard. If you live in a high-mileage state, an extension is one of the most expensive ways to buy time.

Extension vs. Buyout: The Core Question

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Before we get into manufacturer specifics, it's worth asking: is extending actually your best option?

Extending makes sense when you need more time to decide, you're waiting on a specific new vehicle, or you're still a month or two away from figuring out your next move.

Buying out often makes more sense when: you've put a lot into the car already, you're over on mileage and don't want the overage fees, the market value of your vehicle is higher than the residual (meaning you have positive equity), or you just want to stop the monthly mileage clock and own what you drive.

Not sure which camp you're in? Use the Lease Buyout Calculator to run your numbers, or check your Lease Buyout Score to get a personalized read on whether a buyout fits your situation.

What the Data Says About Which Drivers Choose Which

In 2025, Lease End customers who bought out instead of returning or extending captured $73,155,589 in total savings. The average driver walked away with roughly $5,500 in equity plus roughly $3,800 in avoided overage fees.

The payment math also favors buying out over signing something new. The average lease buyout payment in 2025 was $563 per month, versus $659 for a new lease on a comparable vehicle. That is about $100 per month, or $1,200 per year.

One number is worth pausing on: all 10 of the most popular buyout vehicles in 2025 carried positive average equity, ranging from $2,397 on a Jeep Wrangler to $7,886 on a Honda CR-V. If you are extending because you assume the car is not worth buying, the data suggests you should check before you assume.

Lease Extension Policies by Manufacturer

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Here's the breakdown for the brands that cover the vast majority of leased vehicles on the road today. Policies can change, so always confirm current terms directly with your leasing company, but this gives you a solid starting point.

Which of These Brands Lease End Drivers Actually Own

Extension policy matters more for some brands than others, simply because more drivers are facing the decision. Lease End 2025 buyout volume by manufacturer ranks: 1. Honda, 2. Toyota, 3. Jeep, 4. Kia, 5. Chevrolet, 6. Volkswagen, 7. Subaru (new to the top 10, displacing Nissan), 8. Hyundai, 9. Ram, 10. Mazda.

Two thirds of all Lease End buyouts in 2025 were SUVs or crossovers (65 percent), followed by sedans (18 percent), trucks (13 percent), and everything else (4 percent).

Toyota Financial Services

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Toyota is generally one of the more flexible manufacturers when it comes to extensions. Toyota Financial Services (TFS) typically allows month-to-month extensions for up to six months, sometimes longer depending on the vehicle and your account standing.

Your monthly payment usually stays the same during the extension period. Mileage restrictions remain in effect, and any overages at turn-in are still calculated against your original cap. One thing to note: gap coverage through TFS typically does not continue during an extension, so if you carry separate gap coverage, check with your insurer.

Verdict: Toyota is generally extension-friendly, but six months is usually the outer limit before they want a decision.

Before you extend a Toyota, check your equity. The Toyota Tacoma is the sixth most popular buyout in the Lease End 2025 dataset, with an average equity of $6,601 and an average market value of $36,583. The Toyota Corolla averages $9,135 in equity retained, the highest of any Toyota in the Lease End dataset. Extending a Toyota for six months means six more months of depreciation eating into equity you could be capturing now.

Honda Financial Services (Acura Included)

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Honda Financial Services allows extensions on a month-to-month basis, usually for up to six months. Your existing lease terms, payment, mileage cap, insurance requirements, carry over. You'll need to request the extension before your contract ends; it doesn't happen automatically.

One thing Honda is firm about: you cannot sign another lease for a new Honda vehicle while actively in an extension on your current one. So if you're planning to roll into a new Honda lease, you'll need to return the car first.

Verdict: Flexible and reasonable, but plan ahead if you want a new Honda next.

Honda is the number one brand for lease buyouts in the Lease End dataset, and Lease End has helped more than 45,000 drivers buy out Honda leases. Honda models also dominate the equity rankings. In the 2025 dataset the Honda CR-V averaged $7,950 in equity, the Honda Accord $7,378, and the Honda Civic $6,850. All three top the equity leaderboard. Four Hondas appear in the top 10 most popular buyouts overall: CR-V, Civic, Accord, Pilot, and HR-V.

That matters for the extension decision specifically. If you drive a Honda and you are extending because you have not decided, you are likely sitting on $5,000 to $8,000 in equity that shrinks every month you wait.

Read More:

Ford Motor Credit (Lincoln Included)

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Ford Motor Credit typically offers extensions of one to six months. Your payment stays the same, and all original lease terms remain in place. Ford is generally straightforward about the process, call Ford Credit before your lease ends and they'll walk you through requesting an extension.

Important: Ford's extension approval is not guaranteed. If your account has missed payments or other issues, they may decline the extension and require the vehicle be returned on the original end date.

Verdict: Solid extension option as long as your account is in good standing.

If Ford declines your extension, you have less runway than you planned for and a buyout may be the fastest alternative. The Ford Mustang Mach-E was among the top five EV models bought out through Lease End in 2025, so EV Ford lessees in particular should check their numbers rather than assume a return is the default.

GM Financial (Chevrolet, GMC, Buick, Cadillac)

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GM Financial allows lease extensions on a month-to-month basis, typically for up to six months. All original lease terms carry forward. One notable detail with GM: they proactively reach out to lessees around 90 days before lease end, which makes it relatively easy to start the extension conversation before you're scrambling.

Also worth noting: if you're considering a buyout on a GM vehicle, GM Financial is one of the cleaner processes in the industry, they're familiar with working through companies like Lease End and don't typically add unnecessary friction.

Verdict: Good communication, reasonable extension window, buyout-friendly.

Chevrolet ranks fifth in Lease End buyout volume for 2025. The Chevrolet Equinox is the eleventh most popular buyout model overall and is the number one buyout vehicle for both Baby Boomers (61 to 79) and Post War drivers (80 and up) in the Lease End dataset. If GM Financial is calling you at the 90-day mark, that is the right moment to run your buyout numbers rather than defaulting to an extension.

BMW Financial Services (MINI Included)

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BMW Financial Services allows month-to-month extensions, but the window is generally shorter than most, often just one to three months. BMW tends to want their vehicles returned or purchased in a timely manner, particularly given how actively they manage certified pre-owned inventory.

Your monthly payment stays the same during the extension. BMW Financial will send reminders as your end date approaches; response time matters here, because they don't always extend without a formal request and approval on file.

Verdict: Extensions are possible but BMW is not especially patient. Don't assume you have six months.

A short extension window means financing matters more, because you have less time to shop rates. Early 2026 average APR across the full Lease End portfolio is 9.03 percent, the most favorable financing conditions in over a year, down from 9.49 percent at the start of 2025. If you are on a one to three month BMW clock, that is a good rate environment to move in rather than wait out.

Mercedes-Benz Financial Services

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Mercedes-Benz Financial Services handles extensions similarly to BMW, month-to-month, typically for a shorter window of one to three months. Mercedes is another brand with a strong CPO program, so they have a financial incentive to get their vehicles back on the lot.

Your payment carries over, your mileage cap continues, and gap coverage may not be maintained through the extension. Call Mercedes-Benz Financial well before your end date to discuss your options.

Verdict: Limited flexibility. If you're not sure what you're doing, start figuring it out now.

With only one to three months of runway, know your rate before you call. Lease End May 2026 portfolio averages by credit tier: 6.17 percent above 800, 6.59 percent for 740 to 799, 8.10 percent for 670 to 739, 11.25 percent for 580 to 669, and 15.61 percent below 580. The average amount financed is $31,874 over an average term of 72.7 months. Lease End works with credit scores as low as 520.

Hyundai Motor Finance (Hyundai and Kia)

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Hyundai Motor Finance offers lease extensions for up to six months on a month-to-month basis. Same payment, same terms. They're generally easy to work with on extensions, Hyundai has leaned into making the lease experience low-friction, and that extends (pun fully intended) to the end of the term as well.

One thing to know: Kia and Hyundai leases are both managed through Hyundai Motor Finance, so the process is identical for both brands.

Verdict: Friendly, flexible, six months, one of the better extension experiences out there.

Kia ranks fourth and Hyundai eighth in Lease End buyout volume for 2025. The Kia Forte is the third most popular buyout vehicle among Gen Z drivers (18 to 29) and ranks twelfth overall. The Hyundai Tucson ranks fourteenth overall and is a top-three buyout for Post War drivers. Lease End also publishes Ioniq 5 and Ioniq 6 buyout data drawn from Hyundai Motor Finance transactions it has processed.

NMAC, Nissan Motor Acceptance Company (Nissan and Infiniti)

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NMAC offers month-to-month extensions, typically for up to six months, with your existing lease terms remaining in effect. One thing worth flagging: Nissan and Infiniti lessees who've been through a dealership buy-out process have sometimes encountered surprise fees. If you're leaning toward a buyout rather than an extension, working directly through Lease End rather than a dealership is worth considering.

Speaking of which, see our article on fees to watch for when ending your lease for a rundown of what dealerships sometimes try to add on. Knowing what's coming is half the battle.

Verdict: Extension-friendly, but keep your guard up at the dealership if it comes to that.

Worth noting for context: Nissan dropped out of the Lease End top 10 manufacturers by buyout volume in 2025, displaced by Subaru. That is a shift from prior years and reflects changing lease mix rather than any change in Nissan extension policy.

Subaru Motors Finance

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Subaru Motors Finance (managed through Chase) allows lease extensions for up to six months on a month-to-month basis. Same terms carry over. Subaru vehicles have held their value particularly well in recent years, which sometimes means a buyout is an especially smart move, you might be sitting on positive equity without realizing it.

If you drive a Subaru and haven't checked your buyout numbers recently, now's a good time. The Lease Buyout Calculator is a quick way to see where you stand.

Verdict: Flexible extension, potentially strong equity situation, check your numbers.

Lease End data confirms it. Subaru entered the top 10 manufacturers by buyout volume in 2025 for the first time, displacing Nissan. The Subaru Crosstrek ranks fifteenth among all buyout models and averages $5,874 in equity with an average new monthly payment of $420, placing it sixth on the equity leaderboard. In Colorado specifically, Subaru (Crosstrek and Outback combined) is the dominant brand by count in the Lease End dataset.

VW Credit (Volkswagen and Audi)

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VW Credit allows month-to-month lease extensions, generally for up to six months. Audi leases are also managed through VW Credit, so the process is the same for both. Your payment stays the same, and original terms stay in place.

One thing that comes up with VW and Audi lessees: because these vehicles often hold their value well (particularly Audis), buyers sometimes find themselves with more equity than expected. Worth a look before you just return the car.

Verdict: Standard six-month window, same terms, no surprises.

The Lease End dataset supports this. Volkswagen ranks sixth in buyout volume for 2025, and the VW Tiguan ranks thirteenth among all buyout models with an average equity of $5,739 and an average new monthly payment of $433, placing it seventh on the equity leaderboard. The Volkswagen ID.4 was the third most popular EV bought out through Lease End in 2025.

Mazda Financial Services (through Toyota Financial)

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Mazda's financing is actually handled through Toyota Financial Services, which means the extension process is similar: month-to-month, typically up to six months, same lease terms carry over. The process is generally smooth.

Verdict: Smooth experience, follows the Toyota Financial playbook.

Mazda is the fastest riser in the Lease End dataset. The Mazda CX-5 entered the top 10 most popular buyout models for the first time in 2025, ranking eighth and replacing the Toyota Highlander. It averages $6,214 in equity on an average market value of $27,260, with an average new payment of $442. Mazda also entered the top 10 manufacturers by buyout volume at number 10. If you drive a CX-5, the case for buying out rather than extending is stronger than it was a year ago.

Tesla Financial Services

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Tesla is its own animal. Tesla lease buyouts are now allowed (after a period where they were not), which is good news. As for extensions: Tesla typically allows short month-to-month extensions, but the window is tighter than most, generally one to three months. Tesla manages its inventory closely and prefers lessees to make a definitive decision.

Also note that Iowa and Louisiana are currently not eligible for Tesla lease buyouts, so if you're in one of those states, your options are more limited.

Verdict: Short extension window, if you're on the fence about your Tesla, get moving.

Tesla reinstated lease buyouts on all models in November 2024, and Lease End has seen Tesla buyouts surge since. Here is what Lease End transactions from January 2025 through May 2026 year to date show, by model.

Model	Avg Book Value	Avg Monthly Payment	Avg Mileage at Buyout	Avg Equity
Model 3	$32,332	$585.38	28,312	$2,088
Model Y	$39,412	$688.78	22,705	$3,695
Model S	$70,947	$1,257.56	13,042	$6,267
Model X	$51,988	$1,264.67	31,699	Negative
Cybertruck	$82,366	$1,160.90	13,465	$18,098

The takeaway for extension decisions: four of the five Tesla models carry positive average equity, and Cybertruck lessees average $18,098 in equity. Model X is the exception, averaging negative equity, which means a return or a short extension may genuinely be the better call there. With only one to three months of extension runway, Tesla lessees have the least time to figure this out and the most riding on the answer.

Q1 2026 Tesla-specific APR by credit tier: 6.25 percent above 800, 6.82 percent for 740 to 799, 8.19 percent for 670 to 739, 11.22 percent for 580 to 669, and 15.31 percent below 580.

Volvo Car Financial Services

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Volvo allows month-to-month extensions typically for up to six months. Same terms, same payment. Volvo's customer experience tends to be premium, and that carries through to the lease-end process, they're generally communicative and helpful when you reach out about options.

Verdict: Flexible and friendly, no unexpected drama here.

The Volvo XC60 was the third most popular hybrid bought out through Lease End in 2025. Hybrids grew from 5 percent of Lease End buyouts in 2024 to 7.3 percent in 2025, and EV plus hybrid buyouts combined rose from 6 percent to 9.1 percent. If you are extending a Volvo hybrid, note that hybrid buyout demand is climbing, which supports resale values.

Stellantis Financial Services (Chrysler, Dodge, Jeep, Ram)

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Stellantis (the parent company of Chrysler, Dodge, Jeep, and Ram) offers lease extensions through Stellantis Financial Services. Month-to-month extensions are available, generally for up to six months, with existing lease terms carrying over.

One thing worth noting: Stellantis has had more volatility in its leasing programs in recent years, so it's especially important to call and confirm before assuming an extension will be approved.

Verdict: Extensions available, but confirm directly, don't assume.

The Ram 1500 was the single most popular lease buyout vehicle of 2025, overtaking the Honda Civic for the number one spot. It averages $37,961 in market value, $5,476 in equity, and a $688 new monthly payment. It is the top buyout vehicle for Millennials, Gen X, and Baby Boomers alike.

The Jeep Wrangler ranks second, and the Jeep Grand Cherokee fifth. Jeep ranks third among all manufacturers by Lease End buyout volume.

The mileage warning is sharpest here. Jeep Wrangler lessees in the Lease End dataset averaged 44,740 miles at lease-end, 8,740 miles over the standard cap, which translates to roughly $2,622 in overage fees avoided by buying out instead of returning. If you are extending a Wrangler, you are adding to that figure every month. The Wrangler also carries the thinnest equity cushion of the top 10 at $2,397 average, so waiting has a real cost on both sides of the ledger.

One more Stellantis note: the Jeep Wrangler 4XE was the number one hybrid bought out through Lease End in 2025.

Quick Reference: Manufacturer Extension Policies at a Glance

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Manufacturer	Managed By	Typical Max Extension	Same Terms?
Toyota	Toyota Financial Services	Up to 6 months	Yes
Honda / Acura	Honda Financial Services	Up to 6 months	Yes
Ford / Lincoln	Ford Motor Credit	Up to 6 months	Yes
GM (Chevy, GMC, Buick, Cadillac)	GM Financial	Up to 6 months	Yes
BMW / MINI	BMW Financial Services	1-3 months	Yes
Mercedes-Benz	MBFS	1-3 months	Yes
Hyundai / Kia	Hyundai Motor Finance	Up to 6 months	Yes
Nissan / Infiniti	NMAC	Up to 6 months	Yes
Subaru	Subaru Motors Finance (Chase)	Up to 6 months	Yes
VW / Audi	VW Credit	Up to 6 months	Yes
Mazda	Toyota Financial Services	Up to 6 months	Yes
Tesla	Tesla Financial Service	1-3 months	Yes
Volvo	Volvo Car Financial Services	Up to 6 months	Yes
Stellantis (Chrysler, Dodge, Jeep, Ram)	Stellantis Financial Services	Up to 6 months	Yes (confirm)

Note: Extension policies and terms can change. Always contact your leasing company directly to confirm current terms before your lease end date.

Extension Window vs. What You Are Sitting On

Pairing extension runway with Lease End 2025 equity data turns this page from a policy reference into a decision tool.

Brand	Max Extension	Top Buyout Model	Avg Equity (Lease End 2025)
Honda	Up to 6 months	Honda CR-V	$7,950
Honda	Up to 6 months	Honda Accord	$7,378
Honda	Up to 6 months	Honda Civic	$6,850
Toyota	Up to 6 months	Toyota Tacoma	$6,598
Mazda	Up to 6 months	Mazda CX-5	$6,242
Subaru	Up to 6 months	Subaru Crosstrek	$5,874
VW / Audi	Up to 6 months	VW Tiguan	$5,739
Stellantis	Up to 6 months	Ram 1500	$5,570
Stellantis	Up to 6 months	Jeep Wrangler	$2,397
Tesla	1-3 months	Tesla Cybertruck	$18,098
Tesla	1-3 months	Tesla Model X	Negative

Source: Lease End 2026 Annual Lease Buyout Report and Tesla proprietary dataset.

So What Should You Actually Do?

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If your lease is ending and you're not sure what to do next, here's a sensible order of operations:

Check your equity. Use the Lease Buyout Calculator to compare your residual value against what the car is worth. If you have positive equity, a buyout is almost always worth serious consideration.
Check your Lease Buyout Score. This tool gives you a personalized read on whether a buyout makes financial sense given your specific situation.
1. The Lease End Buyout Score is a proprietary 0 to 100 score built on five categories: popularity, reliability, replacement cost, equity, and mileage overage behavior. It requires only your VIN, license plate, and email, so it takes less time than a phone call to your leasing company.
Check your mileage. If you're already over your limit, every additional month of extension is adding to a bill you'll have to pay eventually. A buyout eliminates that overage entirely.
1. For scale, the average Lease End customer in 2025 avoided roughly $3,800 in overage fees by buying out instead of returning.
Contact your leasing company. If you need more time, request the extension proactively, before your end date, not after.
Talk to Lease End. If a buyout sounds like the right move, Lease End can help you get it done entirely online, no dealership visit, no doc fees, no pressure. Call (844) 902-2842 or get started with your license plate or VIN below.

A Worked Example: Extension vs. Buyout

Lease End Maine data illustrates the tradeoff cleanly. A typical Maine driver finishing a lease faces about $1,000 in mileage overage plus a $350 disposition fee, or $1,350 in return costs. That same driver averages $310 in positive equity from buying out. The swing between the two paths is more than $1,600 in favor of the buyout, before considering what an extension would add to the mileage total.

Final Thoughts

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Lease extensions exist for a reason, and most manufacturers are willing to give you a little runway. But "a little" is the operative word, even the most flexible brands cap out around six months, and some of the luxury brands will want your vehicle back or a decision made in three months or less.

If you're using that time to figure out whether a buyout makes sense, use it well. Check the Lease Buyout Calculator, run your Lease Buyout Score, and look at the 2026 Lease Buyout Report to see what drivers in similar situations are choosing. Knowledge makes this decision a lot easier.

For context on what those drivers chose, Lease End completed 19,287 buyouts in 2025 and has facilitated more than 50,000 since 2021. Those 2025 customers captured $73,155,589 in collective savings and unlocked $108 million in equity. Financing conditions are currently the most favorable in over a year, with a 2026 year-to-date average APR of 9.03 percent across all credit profiles, down from 9.49 percent at the start of 2025.

And if you decide a buyout is right for you? Lease End can take it from there, 100% online, no dealership, no doc fees, just a clean and simple path to owning the car you already know and love.

Call (844) 902-2842 or get started with your license plate or VIN.

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Frequently Asked Questions

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Can I extend my car lease past the end date?

Yes, most manufacturers allow month-to-month lease extensions. The length of the extension varies by brand, most allow up to six months, while brands like BMW, Mercedes-Benz, and Tesla typically cap it at one to three months. You'll need to request the extension before your lease ends; it is not automatic.

Does my monthly payment change during a lease extension?

In most cases, no. Your monthly payment stays the same during a lease extension. The original terms of your lease, including mileage restrictions, insurance requirements, and payment amount, typically carry over during the extension period.

What happens to my mileage limit during a lease extension?

Your mileage cap continues during the extension, and any mileage overages that accumulate during the extension will still be charged when you return the vehicle. If you're already close to your mileage limit, extending the lease could significantly increase your end-of-term charges.

Lease End data from 19,287 buyouts in 2025 shows the average driver already ends their term 954 miles over the 36,000-mile cap. At 10 to 30 cents per mile, that is roughly $300 before an extension begins. Extending compounds it.

Is it better to extend my lease or buy it out?

It depends on your situation. Extending makes sense if you need a short runway to make a decision. Buying out tends to make more sense if you have positive equity in the car, you're over on mileage, or you simply want to stop leasing and own what you drive.

In the Lease End 2025 dataset, all 10 of the most popular buyout vehicles carried positive average equity, ranging from $2,397 to $7,886. The average buyout payment was $563 per month versus $659 for a new lease on a comparable vehicle, a difference of about $1,200 per year.

Does GAP coverage continue during a lease extension?

Not always. GAP coverage provided through the original lease may lapse or not carry forward during the extension period. Check with your leasing company directly, and if you're financing a buyout, Lease End can help you add GAP coverage through the new loan so you stay protected.

Can I buy out my lease instead of extending or returning it?

Yes. A lease buyout is an alternative to extending or returning the car, and in many cases, it's the better financial move. Lease End specializes in exactly this: helping drivers buy out their leases online, without a dealership, with financing from partners like Ally Financial, Capital One, TD Bank, JPMorgan Chase Bank, and others. Lease End has facilitated more than 50,000 lease buyouts since 2021, including 19,287 in 2025, and works with credit scores as low as 520.

How do I request a lease extension?

Contact your leasing company directly, the number is on your monthly statement or on the manufacturer's financial services website. Request the extension before your lease end date, confirm the new terms in writing, and make sure you understand how long the extension lasts and what happens at the end of it.

How much does a lease extension cost in mileage overages?

An extension does not pause the mileage clock. Lease End data shows the average driver finishes a lease at 36,954 miles, 954 over the standard cap, facing roughly $300 in overage at 10 to 30 cents per mile. High-mileage vehicles are far worse. Jeep Wrangler lessees average 44,740 miles, 8,740 over the cap, or about $2,622 in fees. Every extension month adds to that total.

What interest rate will I get if I buy out instead of extending?

Lease End May 2026 portfolio averages by credit tier: 6.17 percent above 800, 6.59 percent for 740 to 799, 8.10 percent for 670 to 739, 11.25 percent for 580 to 669, and 15.61 percent below 580. The overall average across all credit profiles is 9.05 percent for 2026 year to date, with an average amount financed of $31,874 and an average term of 72.7 months.

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