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.

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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.
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Current Rates

Valid as of XX/XX/XXXX

  • 2022 Model Year and Newer
  • 2021 - 2019 Model Year
  • 2018 Model Year and Older
Term Rates As Low As* Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.69% $18.40 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 5.89% $15.97 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.29% $14.75 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 7.29% $13.78 / per
$1,000.00		 $40,000.00 $12,000.00
Rates “as low as” 5.69% 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 5.69%. Maximum APR is 11.39%. 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 $18.40 per $1,000 borrowed at the 5.69% APR or 75 monthly payments of $15.98 per $1,000 borrowed at the 5.89% 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 5.94% $18.52 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.14% $16.09 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 6.54% $14.87 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 7.54% $13.91 / per
$1,000.00		 $40,000.00 $12,000.00
Rates “as low as” 5.94% 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 5.94%. Maximum APR is 11.64%. 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 $18.52 per $1,000 borrowed at the 5.94% APR or 75 monthly payments of $16.09 per $1,000 borrowed at the 6.14% 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 6.44% $18.75 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 6.64% $16.33 / per
$1,000.00		 $12,000.00 $4,000.00
76 - 84 Months 7.04% $15.12 / per
$1,000.00		 $20,000.00 $6,000.00
85 - 96 Months 8.04% $14.16 / per
$1,000.00		 $40,000.00 $12,000.00
Rates “as low as” 6.64% 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 6.64%. Maximum APR is 13.34%. 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 $18.84 per $1,000 borrowed at the 6.64% APR or 75 monthly payments of $16.42 per $1,000 borrowed at the 6.84% 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.
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Need to talk to us directly? Call (800) 237-7328 or send an inquiry.

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* Based on December 2024 Auto Lender Summary from Experian