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Lease Help and Guidance

Struggling With a Car Lease? You May Have Options.

If your lease payment no longer fits your budget, you may be able to transfer, exit early, or explore alternatives, without immediately damaging your credit.

Check lease exit options

-No Credit Impact to Check
-Free Educational Resources

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We understand, life happens

Many people assume breaking a lease always means penalties or credit damage. That's not always true, especially if your lease is transferable.

Job or Income Change Layoffs, reduced hours, or career transitions can make lease payments unmanageable.

Life Transitions Divorce, health issues, or family changes can shift your financial priorities.

Relocation Moving to a new city or country may mean you no longer need the vehicle.

Financial Strain Rising costs or unexpected expenses can make your current payment too high.

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What Is a Lease Swap or Exit?

Understanding your options is the first step. Here are the most common ways people exit or transfer a car lease.

Lease Transfer (Swap) Transfer your lease to another qualified person who takes over your payments. Often allowed by major lenders May involve a transfer fee ($200-$500 typical) The new person must qualify with the lender You may or may not remain liable

Early Termination End your lease before the contract term, typically with early termination fees. Usually involves remaining payments May include additional disposition fees Could affect your credit if not handled properly Sometimes negotiable with the le

Lease Buyout & Sell Purchase your leased vehicle and sell it privately or trade it in. Check your buyout price vs. market value Positive equity = potential profit Negative equity = you may owe the difference Some lenders restrict third-party buyouts

Note: Options vary by lender, manufacturer, and your specific lease contract. We cannot guarantee any particular outcome.

Is This For You?

You might benefit from exploring lease exit options if any of these apply.

Your monthly lease payment no longer fits your budget

You've experienced a job loss, pay cut, or income change

You're going through a divorce or major life change

You're relocating and won't need the car

You want a different vehicle but are mid-lease

You're worried about mileage overages or wear charges

You simply want to explore your options without commitment

Not sure if you qualify? That's okay, checking is free and won't affect your credit.

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What CarPaymentHelp Does

We're not a lender or dealer, we're an educational resource that helps you understand and explore your options.

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Educational Resources We help you understand lease exit options, terminology, and what to expect.

Partner Connections If appropriate, we can connect you with services that specialize in lease transfers or exits.

Privacy Focused We don't sell your personal information. Your data is used only to help you explore options.

No Pressure We provide information and guidance, the decision is always yours to make.

Disclosure: CarPaymentHelp may receive a referral commission if you choose to work with a partner service. This never affects whether you qualify or the terms you receive.

Check Your Lease Exit Options

Answer a few quick questions to see if you may qualify for a lease transfer or early exit.

Disclosure: CarPaymentHelp may receive a referral commission if you choose to work with a partner. This never affects whether you qualify or the terms you receive. Our recommendations are based on what we believe could genuinely help you.

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What happens next?

We want to make this as simple as possible.

Trust & Transparency

We believe in honest, helpful guidance, not high-pressure tactics.

We may earn compensation from partners if you choose to work with them.

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Your Privacy Matters We never sell your personal information to third parties. Your data is used only to help you explore your options.

Transparency First We clearly disclose any referral relationships. You'll always know if we receive compensation for a connection.

No Hidden Agenda We're not owned by a lender or dealer. Our goal is to provide helpful information, not push you toward a specific outcome.

Consumer Focused We believe everyone deserves access to clear, honest information about their financial options.

Independent educational resource
Trusted by thousands of consumers
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Other paths worth exploring

CarPaymenthelp offers additional guidance. Depending on your situation, one or more of these options may be available to you.

Refinance Lower your rate or extend your term if you qualify

Sell Before Repo Sell privately or to a dealer before things escalate

Looking for a Vehicle Find affordable options that fit your budget and needs

Credit Repair Get guidance on protecting or rebuilding your credit

Free Resources Access nonprofit counseling and financial education

Common questions

Frequently Asked Questions

Ready to Explore Your Options?

Take the first step toward understanding your lease exit possibilities. No pressure, no obligation.

Explore Lease Exit Options

Takes less than 1 minute. No obligation.

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