Buy Out a Lease

Love the car you’re leasing? Make it yours! With competitive rates and flexible terms, we make it affordable to buy out your auto lease.

Apply Today Resume Application or Check Status
Already a member?
Yes No
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here

Get a Great Deal on the Car You Already Love

You don’t have to start over when your auto lease comes to an end. If you’re reluctant to let your leased vehicle go, we can help you keep it with:

Competitive Rates
You don’t have to break your budget to keep your car. 
Flexible Terms
Whether you need a loan for 12 months or 96, we've got options for you.
Reliable Lending
We’ve been consistently named one of PA’s Top Auto Lenders.*

Make It Happen

Buying out your lease doesn’t have to feel like a big deal. Follow these simple steps and own your car in no time:

  • Contact your leaseholder - whether it’s the leasing bank or dealership - and ask for the exact amount needed to buy out the remainder of your lease.
Apply Today Resume Application or Check Status
Already a member?
Yes No
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here
Important notice: Lorem sit ipsum dolor sit amet, amet et consectetur adipiscing elit. Vestibulum sagittis.
Primary Button Text Here Button Text Goes Here

Current Rates

Valid as of XX/XX/XXXX

Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.09% $18.59 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.24% $16.14 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.74% $14.97 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.74% $14.52 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.09% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.09%. Maximum APR is 12.84%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.59 per $1,000 borrowed at the 6.09% APR or 75 monthly payments of $16.14 per $1,000 borrowed at the 6.24% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.34% $18.71 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.49% $16.26 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.99% $15.09 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.99% $14.65 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.34% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.34%. Maximum APR is 13.09%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.71 per $1,000 borrowed at the 6.34% APR or 75 monthly payments of $16.26 per $1,000 borrowed at the 6.49% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 6.84% $18.94 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.99% $16.50 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 7.49% $15.34 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 9.49% $14.91 / per
$1,000.00		 $40,000.00 $12,000.00
* Rates “as low as” 6.59% APR assumes excellent creditworthiness; your rate may differ from the rate(s) shown here. Rate and loan amount subject to credit approval. Minimum APR is 6.59%. Maximum APR is 13.84%. If you change your payment method to coupon at any time, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; Kelley Blue Book® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. Monthly payment example: 63 monthly payments of $18.82 per $1,000 borrowed at the 6.59% APR or 75 monthly payments of $16.38 per $1,000 borrowed at the 6.74% APR. Monthly payment examples are representative of the maximum term for the corresponding rate per $1,000 borrowed. Your payment may be different from the examples shown. Your final loan rate will be determined by your credit history, model year of the vehicle, and loan term. Rates, terms, and information are subject to change at any time. Kelley Blue Book® is a registered trademark of the Kelley Blue Book Co., Inc.
Explore More:
Achieve More with PSECU
More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Have Questions? We're Here to Help

Need to talk to us directly? Call (800) 237-7328 or send an inquiry.

Resource Center

Personal finance resources from PSECU are free financial literacy resources for adults. Explore our free financial education resources on money management. Knowledge is power!

What Is Digital-First Banking?

Digital banking means accessing banking products and services via a bank or credit union's website or mobile app. Digital-first banking with PSECU means so much more.

Support Center

The PSECU member support center is a helpful source of information for everything from the PSECU routing number to ordering checks, checkbook covers, and check registers.
PSECU-Website-Auto-Loans-Buy-Out-Lease-Primary-CTA

Achieve More with PSECU

More gimmes + less gotchas = modern digital banking. Become a member today, and let your money live in the 21st century.

Become a Member

*Based on May 2024 Auto Lender Summary from Experian