Keep You Car - Buy Out Your Auto 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:

Flexible Terms
Whether you need a loan for 12 months or 96, we've got options for you.
Competitive Rates
You don’t have to break your budget to keep your car. 
Reliable Lending
We’ve been consistently named one of PA’s Top Auto Lenders.1
Get a Great Deal on the Car You Already Love

Current Rates

Valid as of 09/23/2026 12:00 AM EDT

  • 2023 Model Year and Newer
  • 2022 - 2020 Model Year
  • 2019 Model Year and Older
Term APR* As Low As Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.19% $18.17 / per
$1,000.00		 $3,000.00 $1,000.00
64 - 75 Months 5.64% $15.86 / 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" 5.19% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 5.19%. Maximum APR is 11.64%. If you choose coupon payment method, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; J.D. Power® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. J.D. Power® is a registered trademark of J.D. Power and Associates. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term APR* As Low As Monthly Payment Vehicle Value (Minimum) Loan Amount (Minimum)
1 - 63 Months 5.44% $18.29 / 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 6.54% $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" 5.44% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 5.44%. Maximum APR is 11.89%. If you choose coupon payment method, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; J.D. Power® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. J.D. Power® is a registered trademark of J.D. Power and Associates. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
Term APR* 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 6.39% $16.21 / 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" 5.94% APR. Your rate may increase from the rate(s) shown here based upon model year of the vehicle, loan term, a front-end loan to value exceeding 90%, and creditworthiness. Rate and loan amount subject to credit approval. Minimum APR is 5.94%. Maximum APR is 12.39%. If you choose coupon payment method, your interest rate will increase by .25% Annual Percentage Rate (APR). PSECU offers financing ranging from 100% to 125% of the front-end loan to value based on the vehicle loan financing type, loan amount, and the applicant’s creditworthiness. Value of the vehicle to be determined prior to final loan amount. The Manufacturer's Suggested Retail Price determines new vehicle values; J.D. Power® or other authorized guides determine used vehicle values. Minimum value is $3,000. PSECU makes all final decisions regarding vehicle value. J.D. Power® is a registered trademark of J.D. Power and Associates. Monthly payment examples can be found in the Monthly Payment column in the Current Rates table. Your payment may be different from the examples shown. Rates, terms, and information are subject to change at any time.
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How to Buy Out Your Lease

Ready to own your leased car? Follow these simple steps to finance your lease buyout with ease and drive away with full ownership:

  • 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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Have Questions? We're Here to Help

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

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1 Based on December 2025 Auto Lender Summary from Experian