How the Lease End Process Works

Sarah Williams

Published 11/20/25

Estimated Read Time: 7 minutes

TL;DR: Lease End helps you buy out your leased car with a straightforward, hassle-free process. From getting your buyout amount to handling paperwork and offering loan options, we simplify the whole process to help you keep the car you love.

Check this person out. They're a driver, just like you, who wants to buy out their lease from under a cozy flannel blanket, in woolly socks, typing on a no-logo laptop... instead of spending all day at the dealership, chomping on stale, slightly car-scented lobby popcorn (yuck). Good choice, person on the couch. Good choice.

So, your car lease is coming to an end, and you're considering buying it out.

To-do list:

Call Lease End 👀 (here're our digits: (844) 902-2842)
Submit your credit application
Qualify for and choose your auto loan
Choose your vehicle coverage: VSC and/or GAP insurance
E-sign your buyout documents
Put your feet up and move on with your life while you wait for your new plates and title transfer ✌️

But wait—there’s a lot of information out there, and maybe you’re asking yourself, "Is Lease End legit?"

We’re here to tell you that we are, in fact, legit—and don’t just take it from us. You've got plenty of time to do your research.

We've helped more than 45,000 drivers with their lease buyout loans, and you can read our reviews on the Better Business Bureau® (we’ve got an A+ rating) and Trustpilot for a good idea of how much people like us.

We’re all about transparency and simplicity here, and we’re going to walk you through our process so you can make the best decision for you and your car.

What can Lease End do for you?

At Lease End, we specialize in making lease buyouts easy, accessible, and stress-free.

So, what’s a lease buyout? Simply put, it’s the process of buying the car you’ve been leasing and making it yours for good—for a price that’s already predetermined in your lease agreement (the residual value).

Sounds pretty good, right?

What we do is guide you through the entire buyout process—from getting your payoff amount via the residual value to securing financing through one of our trusted lenders.

(Basically? We take care of the complicated stuff, so you don’t have to.)

Why was Lease End created?

With used car prices skyrocketing, new car prices climbing, and the car market being, well, a little crazy, we wanted to help drivers navigate this mess and make smart, well-researched decisions. Leasing a car can already be a pain, and when it’s time to figure out what’s next, we believe it shouldn’t add more stress.

Instead of driving yourself crazy trying to figure out your next move, Lease End helps you keep the car you already know and love by providing a seamless, hassle-free lease buyout experience.

What happens when I buy out with Lease End?

Buying out your car lease with Lease End can start one of two ways: online or over the phone. Either way, we’ll give you the same great service and support. It’s all about how much hands-on help you want. Here’s how the process goes:

Step 1: Getting Started

All we need to kick things off is your license plate or Vehicle Identification Number (VIN). We’ll gather some additional info—like the make, model, trim, and odometer reading—then we’ll contact your leasing company to get the buyout details. It’s super easy!

If you have any questions or need some guidance, you can reach out to us for help, and one of our advisors will walk you through it.

Step 2: Finding Your Payoff Amount

Now, we’ll dig into the buyout price—the amount it’ll cost you to buy the car at the end of your lease. Again, this is mostly based on the residual value of the car, but there are a few other factors that go into it, like sales tax, registration, and other fees, where applicable. Don’t worry, we’ll make sure you’re getting the right number.

We can help you call your lienholder (if you’re starting online), or if you call us, we’ll handle that part for you. We’ll make sure to get all the necessary info, so you don’t have to deal with the details.

Step 3: Monthly Payment Preview

Once we have your buyout amount, we’ll talk lease buyout loans.

With the information we have about you and your lease, we’ll provide you with an estimate for your new monthly payment. This is based on the total amount financed for your buyout amount, any taxes or fees, and any extended coverage you might add. (More on that below.)

If you’re working online, you’ll be able to use our lease buyout calculator before we walk you through the credit application. If you’ve called in, your advisor will discuss your options with you over the phone.

Step 4: Credit Application & Account Creation

Happy with your payment estimate? Awesome. Now it’s time to fill out a credit application so we can help you find the best loan rate. We’ll gather your basic info (address, employment status, etc.) and walk you through the process. Everything is securely encrypted, so your info is always safe.

Once that’s done, you’ll create an account with us to keep track of your progress.

Step 5: Review Coverage Options

Once your loan application is approved, a lease-end advisor will provide you with a package preview covering your new monthly payment, loan info, and coverage offers. (We’ll also let you know when your first payment would be due.)

We offer both extended warranty (a Vehicle Service Contract, or VSC) and Guaranteed Asset Protection (GAP) coverage to our drivers. You can get one or the other, or a combination of both. Not sure where to start? Your advisor will review your options with you and answer any questions you have.

Step 6: Paperwork & eSign

Now, it’s time to wrap things up. We’ll send you the paperwork for your lease buyout and any coverage options you’ve selected. Most states let you sign online, but in some cases, we’ll overnight physical documents if a "wet signature" is needed. Either way, we’ll get everything sorted for you.

Step 7: Titling & Registration

Once your paperwork is complete, we’ll handle all the titling and registration. Depending on your state, this might take a bit of time, but we’ll keep you updated every step of the way. Once everything is finalized, we’ll mail your plates (if applicable) and let you know that your buyout is complete.

Un-Lease Your Car

So, that’s that—congrats on making it through.

As you can see, a lot goes in to a lease buyout. Manufacturers and lienholders all have their own policies & requirements; lender rates need to be compared; signature and titling needs vary by state. In short, it’s complicated.

Instead of juggling it all yourself, Lease End wants to help you keep the car you already know and love by doing all the heavy lifting:

Need your payoff info? We’ll wait on hold for you and conference you in when a real person is on the line.
Want extended coverage on your car so you can keep that off your plate? We’ll set you up with everything needed to protect your investment.
No time to waste standing in line at the DMV? Leave the boring stuff to us. We’ll do it—for you.

Want to chat with an advisor? Give us a call at (888) 307-5197. Or, if you’re just ready to find your lease buyout loan now, enter your VIN or license plate number below.

GET STARTED WITH YOUR LICENSE PLATE

Use VIN

About the author
Sarah Williams

Sarah loves breaking down complex topics and making them accessible to everyday readers. With four years of experience writing in the fintech and auto industries, she’s helped shape Lease End’s voice and given consumers the confidence they need to tackle leasing topics.

Lease End's mission is to empower auto lease owners with the technology to easily exit their lease. If you'd like to learn more about the lease-end options available to you, please don't hesitate to contact us. Our expert advisors are always prepared to answer your questions and are committed to finding the right plan for your individual needs.

©2025 Lease End

Give Us a Call:

(844) 902-2842