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My Credit Score Sucks. Can I Still Buy Out My Lease?
Published 6/6/25
So, you’re nearing the end of your lease and realizing you want to buy your trusty car. But there’s one little problem: your credit score is lower than a waistband on a pair of jeans from the 2000's. Maybe your credit score has taken a hit over the years, or maybe it’s always been more “meh” than marvelous.
Either way, the question stands: Can you still buy out your lease? The short answer is yes—Lease End has your back. Here’s how we help people just like you take that next step, even when their credit score doesn’t exactly shine.
First Things First: What's a Lease Buyout?
Before we get into the nitty-gritty of buying out a lease with less-than-perfect credit, let’s quickly break down what a lease buyout actually is.
Essentially, a lease buyout means you’re purchasing the car you’ve been leasing instead of returning it to the dealership. This often happens toward the end of your lease term when you’ve grown attached to your car. A buyout lets you make it official and avoid mileage fees, wear-and-tear penalties, and all those extra costs dealerships love to tack on.
What About My Credit?
Now, the big question: what if your credit score isn’t great?
While many lenders prefer to work with folks who have higher credit scores, Lease End has built strong partnerships with banks that understand life isn’t always so neat. When you apply with Lease End, you don’t just get access to a single bank but a network of top-tier financial institutions that offer lease buyout loans for a range of credit scores.
Our partners understand that credit isn’t the whole story, and they’re quick to respond, making the process as stress-free as possible. Lease End’s expertise is in making this process accessible, connecting you with financing options even if your credit score has seen better days.
Goodbye, Credit Score Nerves!
One of the best parts? Lease End’s process is designed to protect your credit score. Instead of applying through multiple lenders and risking a bunch of hard credit checks, we streamline the process with soft credit pulls until you’re ready to move forward.
This way, you don’t have to worry about dinging your score just for exploring your options. You get the chance to find the best financing deal without a bunch of credit hits along the way.
Secure and Simple, Right from Your Couch
You can get everything started with Lease End in just 15 minutes, right from the comfort of home. Lease End uses cutting-edge security and tech to make sure your personal data stays protected throughout the process.
And the best part?
The platform is easy to navigate and quick, so you can get back to life without spending hours on loan applications or paperwork.
You’re Not Alone
Buying out a lease can feel daunting, especially if your credit’s a little shaky, but Lease End’s got you covered. From helping you find lenders who look beyond just your credit score to ensuring a smooth, straightforward experience, we’re here to help you make that car truly yours.
So yes, even with “meh” credit, you’re not out of options. Lease End has helped thousands of drivers go from lessee to owner without the stress. If you’re ready to buy out your lease, we’re here to help you make it happen!
About the author
Adam Broud
Adam Broud is a writer and comedian based out of Salt Lake City, Utah. As a professional stand-up comedian with an MBA, his writing uniquely blends the worlds of business and comedy. Adam's writing for ads and comedy has appeared in places such as Buzzfeed, Vanity Fair, your television, and his mom's box of keepsakes. Feel free to review his writing from any of those places, but just know it's kinda weird if you choose his mom's house.
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
©2025 Lease End
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