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Auto lease buyout

One car you love. Two ways to buy out your lease.

Secured and unsecured loan options to turn your lease into ownership.

Buying out your auto lease lets you keep a car you know and love. Pay off the remaining value with a loan and move from leasing to owning with confidence.

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Compare options for auto lease buyout loans.

Secured auto lease buyout loan

A secured auto lease buyout loan uses your car as collateral.

Best if:
You want a lower interest rate
Lower interest rates can decrease your monthly payment.
You prefer a more personalized process
Our loan specialists can guide you through the process.
Unsecured auto lease buyout loan

An unsecured auto lease buyout loan does not require collateral.

Best if:
You want more flexibility
No appraisal required, and no restrictions on your car’s age or mileage.
You prefer a digital-only loan
No forms and no appointments—it’s all online, from application to funding.
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Secured auto loan tooltip Secured auto loan

A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. 		LightStream unsecured
auto loan tooltip LightStream unsecured auto loan

An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto lease buyout loan.

Apply online.

Apply now for a LightStream auto lease buyout loan. Explore rates and payments on a LightStream auto lease buyout loan.
Availability Available at eligible dealerships nationwide, and in branches in the following states: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.12% to 18.00% APRDisclosure 1 Fixed rates from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPayDisclosure 2, Disclosure 3
Loan amounts $3,500 to $400,000Disclosure 4 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 5 Up to 84 monthsDisclosure 5
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 daysDisclosure 6 30 daysDisclosure 6
Funding As soon as todayDisclosure 7 As soon as todayDisclosure 8
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto lease buyout loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream auto lease buyout loan.
Secured auto loan tooltip Secured auto loan

A secured auto loan uses your car as collateral. Staying current on payments helps you maintain ownership of your collateral. 		LightStream unsecured
auto loan tooltip LightStream unsecured auto loan

An unsecured loan does not have collateral. Because of that, it may have a higher interest rate compared to a secured loan.
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto lease buyout loan.

Apply online.

Apply now for a LightStream auto lease buyout loan. Explore rates and payments on a LightStream auto lease buyout loan.
Availability Available at eligible dealerships nationwide, and in branches in the following states: AL, AR, DC, FL, GA, IN, KY, MD, MS, NJ, NC, OH, PA, SC, TN, TX, VA, WV. Available nationwide
Collateral Auto None
Vehicle model year Up to 20 prior model years No restrictions
Mileage Up to 120,000 miles No restrictions
Interest rates Fixed rates from 5.12% to 18.00% APRDisclosure 1 Fixed rates from {{lsiAutoMinRate}}% - {{lsiAutoMaxRate}}% APR with AutoPayDisclosure 2, Disclosure 3
Loan amounts $3,500 to $400,000Disclosure 4 $5,000 to $100,000
Loan terms Up to 84 monthsDisclosure 5 Up to 84 monthsDisclosure 5
Fees No pre-payment penalties. Late payment and returned payment fees vary by state. No origination fees, no pre-payment penalties, and no late fees.
Payment options Digital, Autopay, mail, phone, in-branch Digital—Autopay or invoice
Interest rate lock 30 daysDisclosure 6 30 daysDisclosure 6
Funding As soon as todayDisclosure 7 As soon as todayDisclosure 8
How to apply

Apply in person, or by phone if you have a Truist account. Call 866-474-4826.

Schedule an appointment with a Truist teammate to apply for a secured auto loan. Calculate your payments on a secured auto lease buyout loan.

Apply online.

Apply now for a LightStream unsecured auto loan. Explore rates and payments on a LightStream auto lease buyout loan.

Frequently asked questions about auto lease buyout loans

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When you apply for an auto lease buyout loan, the lender will conduct a hard inquiry, which may initially reduce your credit score slightly. Taking on a new loan will also increase your debt and may reduce the average age of your credit accounts, which may also impact your score. However, an auto lease buyout loan can also improve your mix of credit accounts if you don’t already have an installment loan, which may be viewed positively. Finally, making on-time loan payments can impact your credit score positively.

Auto lease buyouts may include additional fees beyond the residual value. Common costs may include a purchase option fee, state sales tax, title and registration fees, and potential dealer documentation fees. Some dealers may also charge an inspection or certification fee. Your lease agreement can help you understand any additional fees.

With a secured lease buyout loan, the new lender holds the car title until the loan is paid in full. The title is transferred from your leasing company to the new lender.

Your auto lease buyout price is typically calculated by the dealership adding the residual value (estimated future value from your contract) to any remaining payments, purchase option fees, and applicable taxes and registration fees.

You may also be interested in these options.

Used auto loans – dealership

With same-day funding available,Disclosure 7, Disclosure 8 quick decisions, and a 30-day interest lock guarantee,Disclosure 6 we make it easy to get in the driver's seat at any auto dealer.

Learn more about used auto loans for a dealership purchase.
New car loans

We have solutions to fit your budget and help you get on the road. We offer both secured and unsecured loan options.

Learn more about new auto loans.
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Disclosure 1 Your  loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.12% to 18.00% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 3 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from 6.49% - 24.89% APR with AutoPay.

Disclosure 4 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 5 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.73% would remit 84 payments of $362.00.

Disclosure 6 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 7 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 8 For the LightStream auto loan: You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

Disclosure 1 Your  loan terms, including APR, may differ based on amount, term length, and your credit profile. Current rate range is 5.12% to 18.00% APR. Excellent credit is required to qualify for lowest rates. Less than a majority of applicants qualified for lowest rate. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. These offers are subject to credit approval under Truist underwriting guidelines including qualifying loans with certain debt to income, FICO® scores and other underwriting credit criteria.

Disclosure 2 Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Lowest rates require excellent credit. At least 29.46% of approved applicants applying for the lowest rate qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice.

Payment example: Monthly payments for a $25,000 loan at 7.24% APR with a term of 3 years would result in 36 monthly payments of $774.67.

Maximum APR for a LightStream loan is {{lsiMaxRate}}%. Loan terms range from 24 - 240 months depending on the loan type.

{{lsiRateOptional:Rates are accurate as of}} {{lsiRateDate}} {{lsiRateOptional:and are subject to change.}}

Disclosure 3 AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Excellent credit required for lowest rate. Rates vary by loan purpose. Rates range from 6.49% - 24.89% APR with AutoPay.

Disclosure 4 Minimum loan amount may vary in some states to comply with applicable law.

Disclosure 5 For comparison purposes, a consumer who finances a new car for $25,000 at a term of 84 months and at an annual percentage rate (APR) of 5.73% would remit 84 payments of $362.00.

Disclosure 6 Once your application is approved, the interest rate is valid for 30 days as long as there are no changes to your application or loan terms.

Disclosure 7 For a secured auto loan: Your loan officer will provide you with guidance on what documentation is needed to help expedite the approval process.

Disclosure 8 For the LightStream auto loan: You can fund your loan today by wire transfer if today is a banking business day, your application is approved, and you complete the following steps before 2:30 pm ET: (1) review and e-sign your loan agreement; (2) provide us with your funding preferences and relevant banking information; and (3) complete the final verification process.

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