Best Lease Buyout Loan Rates (You've Found Them Right Here)

Rebecca Graham

Published 4/17/25

Estimated Read Time: 4 minutes

TL;DR: A lease buyout loan is a smart way to turn your lease into ownership, often at a better rate than you'd expect. Lease End simplifies the process with competitive rates, transparent terms, and a fully online experience. 🚗✨

Nearing the end of your lease? Love your car and want to keep it? With a lease buyout loan from Lease End, you can turn your leased vehicle into your very own.

If you’re looking for the best lease buyout loan rates, you’ve found them here at Lease End. Check out this review by Danny from the Lease End Trustpilot page:

Table of Contents:

Understanding Lease Buyout Loans
Addressing Common Concerns
The Easiest Way to Get the Best Rates for Your Lease Buyout
NEW: 2024 Lease Buyout Loan Statistics
The Unknown Factor: Why Dealerships Can Be Risky

Understanding Lease Buyout Loans

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A lease buyout loan is an auto loan that allows you to purchase the vehicle from the leasing company, usually at the end of your lease term.

Instead of surrendering the car to the dealership, you can keep it with the help of our trusted partners like Ally, TD Bank, and Capital One.

Why do our drivers opt for a lease buyout?

Save Money	Drive Freely	Access Equity
Avoid disposition fees and wear-and-tear fees from the dealership.	Drive as much as you want without worrying about mileage overage penalties.	If the market value of your car is higher than the residual value, you have positive equity. Keep your car forever or sell it when you choose.

Addressing Common Concerns

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Getting an auto loan is stressful enough. Combine that with a lease buyout, and it’s easy to feel overwhelmed or anxious with the process.

But we’re here to fix all your problems.

If any of these resonate with you, you’ve come to the right place to have those resolved:

"I don't know what's going on."
"Is the dealership ripping me off?"
"Am I going to be without a car?"
"I want to shop and get the best rates without going to multiple banks and dealerships."
"I've made my decision to buy out and just want to find the fastest, easiest way to get it done."

With Lease End, you get the best rates without the hassle. Our process is straightforward, 100% online, and tailored to your driving needs.

Review that says "great team to work with. They did all the work. I have never had a loan go so smoothly. I would 100% recommend them!"

The Easiest Way to Get the Best Rates for Your Lease Buyout

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Lease End makes securing the best lease buyout loan rates as simple as filling out a form.

We partner with top, trusted banks to ensure you get the most competitive rates available. Here's how we do it – and why our process is the best option for you.

Our process is as easy as 1-2-3-4:

Tell Us About Your Car. We’ll ask some simple questions about you & your lease to prepare for your purchase.
View Your Loan & Coverage Options. Review your unique financing and customizable vehicle coverage options.
Sign Your Buyout Documents. We’ll prepare the documents you need and you’ll eSign securely on your Lease End account.
Relax — We'll Take it from There. We’ll arrange titling, registration, & new plates for you so you can skip the DMV trip.

Our financing partners, including Ally, TD Bank, and Capital One, will find an auto loan that suits your needs. From there, your lender provides the funds to buy out your lease, and you make monthly payments on your new car loan.

By shopping around for you and leveraging our partnerships, we’ll get you the best bang for your buck.

Why Choose Lease End?

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Lease End was built to disrupt the traditional dealership model, providing a better experience for drivers looking to buy out their leases. Our mission is to help you protect your investment and make the process as smooth as possible.

We prioritize your needs, offering a simple, fast, and convenient way to secure a lease buyout loan.

Anxiety-Free Process	100% Online	Real People, Real Care
We eliminate the stress of dealing with multiple banks and dealerships. Don’t go bank to bank to bank—we’ll do it virtually for you.	Our streamlined tech ensures you get the best rates quickly and easily—all from the comfort of your couch.	We're car people through and through. Our team in Twin Falls, Idaho, is here to help, whether you prefer to talk to someone or handle everything online.

We bring the experience and expertise you can trust. We've worked with every state DMV and helped thousands of drivers buy out their leases and keep their cars.

And best of all? Because we facilitate a high volume of lease buyouts, we get preferred rates from our lending partners. With Lease End, you can be confident that you’re getting the best rate for your lease buyout loan.

Your credit score plays a significant role in the interest rate you'll receive. In fact, if your credit has improved since you leased the car, you might actually qualify for a better rate than you did before.

Note that loan rates depend on a number of factors including credit score, loan amount, loan term, and other eligibility requirements.

Credit Pull Debunk

Worried about multiple credit pulls?

Don't be.

According to Experian, after a 45-day period, multiple credit checks within a similar loan type within 14 days are scored as one inquiry, minimizing additional impact on your credit score. Banks trust our process because we work with the best partners. It’s in your best interest to let us shop your deal to multiple banks.

2024 Lease Buyout Loan Statistics

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While every driver’s monthly payment for a buyout will vary based on vehicle, residual value, credit score, and other factors, we have done over 30,000 lease buyouts and have the proprietary data to speak to overall lease buyout statistics and trends.

The average monthly payment for a lease buyout through Lease End in 2024 (across the full credit spectrum) was $510.86.

For context, the average new monthly loan payment in Q1 2024 for borrowers with the best credit was $723 according to Experian.

The average amount financed was $27,405.85.

And the average loan term was 71.4 months. This number has been trending upward over the past three years (up from 70.9 months in 2023 and 70.2 months in 2022), indicating that drivers are more and more eager to find the lowest payment, wanting options to spread out their loan as much as possible.

Keep in mind that these statistics encompass drivers across the full credit spectrum, including our minimum credit score of 520; if you have "good" or "excellent" credit, you might be able to land a lower payment, depending on your vehicle model and other factors.

The following image represents the average APR by credit score, according to our 2024 buyout transaction data:

The Unknown Factor: Why Dealerships Can Be Risky

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Flexible options, speed, and trust set us apart from the traditional lease-end experience. If you decide to play “dealership roulette” and buy out through a dealership, you can expect issues like clunky fees and exaggerated timelines.

Dealerships often fumble the ball in these ways when it comes to lease buyouts:

Inconsistent Experiences: The dealership experience can vary widely. With Lease End, you get a reliable, consistent process every time.
Hidden Fees and Markups: Dealerships might add unnecessary fees and markups. We ensure transparency and fairness.
Time-Consuming: Time spent at a dealership can be upwards of an hour or two, and no one has time for that. We streamline the process, saving you time (our application takes as little as 12 minutes to complete) and hassle.
Lack of Customer Care: You may be treated like just a number at the dealer, but with Lease End, we walk you through the whole process in real time and take care of everything for you.

Ready to end your lease and keep your car?

We hope this much is clear: Lease End is your solution for the best lease buyout loan rates.

Apply for a lease buyout loan now and enjoy the benefits of owning the car you love.

Join thousands of satisfied drivers who have successfully bought out their lease and kept their car with Lease End.

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About the author
Rebecca Graham

With over a decade of professional writing experience, Rebecca transforms complex concepts and data into clear, engaging content. When she's not honing Lease End's organic growth strategy, she's fanning the flames of her Wicked obsession, crafting custom candles, or walking Utah’s mountain trails. Connect with Rebecca on LinkedIn.

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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.

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