Advertiser disclosure: RefiMeNow is a comparison marketplace, not a lender. We receive compensation from network lenders, which may affect placement; our featured partner leads any list it qualifies for. How we rank
If your lease-end buyout price is below what the car is worth, buying it is often the best car deal available to you: you know the history, and the equity is yours at signing. The catch is that not every lender finances buyouts, because the title has to travel from the leasing company through the lender to you.
These are the network's buyout lenders, ranked.
Best overall for lease buyoutsFeatured partner
5.24%
Est. APR from
550+
Min credit
2-5d
Funding
Consumers Credit Union pairs buyout financing with nationwide availability and open $5 membership, so any lease holder in any state can use it. With the RefiJet advisor coordinating the payoff to your leasing company and the title chain, the hardest part of a buyout becomes a couple of signatures.
Fastest buyout funding
4.99%
Est. APR from
560+
Min credit
1-3d
Funding
Lease-end deadlines are real deadlines, and Mountain America's typical 1 to 3 day funding is the network's best answer to a turn-in date bearing down. Footprint applies (UT, AZ, ID, MT, NV, NM), and the published 4.99% floor with checking discount prices the buyout sharply.
Best cash-flow cushion
5.49%
Est. APR from
580+
Min credit
3-6d
Funding
First Tech finances buyouts with up to 90 days before the first payment and can roll tax and license into the loan, useful because buyouts front-load exactly those costs. Open membership through association makes it available nationwide.
Best for upside-down buyouts
4.99%
Est. APR from
560+
Min credit
2-5d
Funding
If your buyout price runs above the car's current value, America First's refinancing up to 125% of Kelley Blue Book absorbs the gap. Mountain West footprint, newer vehicles (about 7 model years), published 4.99% floor.
See your lease buyout offers in 2 minutes
See my buyout offersCheck one number before you decide
Open your lease contract and find the residual value, then look up what your exact car sells for today. Market value above residual means instant equity, and financing the buyout captures it.
Start the loan two to three weeks before turn-in. Payoff quotes and lease-end fees have dates attached, and the title chain takes days even when everyone moves quickly.
We ranked the network lenders that finance lease buyouts by availability, funding speed, cash-flow features, and negative-equity allowance. Figures are representative estimates unless published; your leasing company's payoff quote governs the final numbers. Read our full methodology
Frequently asked questions
Which network lenders finance lease buyouts?
Consumers Credit Union, Mountain America, First Tech, and America First. The match screens your state and vehicle to show which apply to you.
Is buying out my lease a good deal?
When the contract's residual value is below the car's market value, yes; the gap is equity you keep. Compare the two numbers first.
How long does a buyout take?
Budget two to three weeks end to end for payoff and title transfer, though Mountain America's funding itself typically lands in 1 to 3 days.