r/CarLeasingHelp

▲ 2 r/CarLeasingHelp+1 crossposts

Please Rate My Lease

I leased a 2026 x3drive30 in April for 10,000 miles (39 months). My it’s was 1030 which included taxes, tags, fees, and first month lease. Base lease 634 total 653.12.  MSRP was 58,575. Residual 32,951. How was this deal? My first time leasing and as a retired 67 yo female, I tried to put myself in a good situation. Did I?

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u/Embarrassed-Tip-3145 — 16 hours ago

Fidelity Platinum Service Contract worth it when buying out a lease?

Hi everyone, I'm planning on buying out the lease on my 2023 Honda Accord Hybrid Touring model because the residual ($23,664) is a good price compared to the value of the car and I like my car a lot. I went to the Honda dealer as Honda Financial won't finance it directly. They offered me a good rate compared to some of the other options I've looked at, around 5.95%. They are pressing me to include a Fidelity Platinum VSC for $2750 (7 year / 70k miles). I've never purchased a car before so not sure if this is a good deal and worth it or if it would be better to look elsewhere, or if a warranty is not really a good value. The only other fee they are charging is a $749 documentary fee. Thanks for your advice!

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u/toastytico — 14 hours ago

Wrangler Coming Off Lease...

For a friend on Long Island:

2022 (maybe 2023) Wragler Sport S (4 door. Push button top) coming off lease in July. Over mileage. KBB and Carvana apraise it for LESS than her buyout, so keeping it probably is not an option.

Looking for a similar Wrangler, Audi Q3, Toyota Land Crusier. Possibly a VW Atlas/Tiguan. I would like to her to look at the Acura SUVs.

Any ideas or tips trading in an over-milage Wrangler and getting into something less than the $700 a month quotes she is getting?

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u/ARV13 — 23 hours ago

Lease up on Bronco Sport, need to switch. What is out there in Los Angeles?

I have had Mazdas for years. Owned them when I was younger (Tribute and 3), then leased several (back to back CX-5s). I wanted to try something new, so leased a 2023 Bronco Sport. Not a fan of it. Rattling noises, sluggish, the infotainment system, etc.

My lease is up on July 4th. I am curious of any deals or suggestions. I'm a guy, 6 ft 2, 180 lbs. I use the vehicle to haul things for my nonprofit (big boxes of supplies), and to run home improvement items back and forth on occasion to my cabin (ladders, toolboxes, etc.).

My budget is in the Mazda CX-5, Bronco Sport range, if possible. Thanks in advance for any tips. One note, parking is semi tight at my place, so I can't do a vehicle that is too much larger than the Bronco Sport.

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u/weedlawyerCA — 1 day ago

Best lease buyout loan rates?

Hi everyone, I'm looking to buy out my lease on my Honda Accord 2023 Hybrid Touring. The buyout price is ~$23k. I'm wondering what financing options are recommended with a reasonable rate. I have tried contacting local credit unions which seem to have good rates, but since I recently moved, I'm running into issues because I haven't switched my car registration to a new state yet. I also checked with Ally, but their rate seemed high at nearly 8%. Any recommendations for other places to look?

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u/toastytico — 1 day ago

Should I buy out my lease, or walk away?

My three year lease is up July 2027. I have never leased a vehicle before, but did so this time as I was not sure if I would need something different by the time it was up or not.

I am thinking about changing vehicle manufacturers when my lease is up, but I’m not sure if the best move would be to keep my lease vehicle at the end of its term so I have some trade-in value if I move dealerships, or walk away from the lease at its end and have no trade-in.

Looking any advice on what the best play would be.
TIA

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u/Slow-Airline-1229 — 1 day ago
▲ 16 r/CarLeasingHelp+1 crossposts

Car Loan Question

I don’t want to go through the hassle of possibly getting denied, so I’m asking here:

I need a car loan of 6K. I have a collection from 2023 that I plan to pay off within the next week or two, and I just started my job recently (I work 15 hours a week for $21 an hour) and I’m about to start another one (it will be around the same pay and will add and 15-20 hours to my work week.) I live with family, and I’m also in the national guard, so that’s roughly $400 extra a month? I don’t know how much they check into my background, so should I wait a month for a pay stub, or should I attempt to get a pre approval?

u/Feeling-Area-5998 — 2 days ago

Honest thoughts on this lease?

I’m a first-time car buyer in NY looking at a 48-month lease on a new 2026 Ford Bronco Sport Big Bend (10,500 miles/year allowance).

The deal is $428.88 per month with $4,040 due at signing (includes first payment, ~$1,232 cap cost reduction, fees & taxes). Gross capitalized cost is $34,405, with a $500 non-cash credit applied. End-of-lease purchase option around $19,432. Does this seem like a good/solid/fair deal for NYC area prices and taxes right now, or should I keep shopping other dealers? Any red flags?”

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u/New_String_ — 2 days ago

Ram 1500 lease 36 /12k

Is that godd deal. I know the truck is almost 25% in discounts but they also taking big cuts in residual 52% compared to others 57% and MF most places at 0.00024 they have it 0.00235 so .58% va 5.64% but overall that’s the cheapest payment. What do you guys think

u/henrymiles1234 — 2 days ago
▲ 6 r/CarLeasingHelp+1 crossposts

Lease

I’m looking at leasing a 2026 Ram 1500 with a 39-month term. I was quoted for 15k miles per year, so after 3 years I’d be around 45k miles with about 3 months left on the lease.

One of the main reasons I prefer leasing is because I like staying under the bumper-to-bumper warranty as much as possible and avoiding major repair costs as vehicles get higher in mileage.

For those of you who lease Rams regularly, does this sound like a good setup? Any advice on mileage, term length, negotiating, or things to watch out for before signing?

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u/BEA5TxMODE — 2 days ago
▲ 2 r/CarLeasingHelp+1 crossposts

Lease, is this a good deal?

Trying to help the GF with the lease offers she’s getting and we’re not sure if this is a good deal or not. I am not sure what the drive off fee is if down payment, taxes are listed separately. Located in CA.

u/aperitino — 2 days ago

Will I get charged for a rim scratch like this when turning in the vehicle?

I had my tires changed, and the guy made a scratch like this on every rim

u/SpecificSeries2012 — 2 days ago

HELP. Is this a good deal

Ok this is the best deal I’ve gotten for a pathfinder platinum so far. I’m trading in my 23 Tacoma 4x4 sr5 w 23k miles. I feel I can get more off the msrp and maybe a little more for my trade ? Still newer to negotiating a lease. Any and all help is appreciated.

u/Reasonable-Kick-6078 — 2 days ago

New to leasing, looking for opinions

I am looking into leasing a car for the first time and I sat with a dealership and I got some numbers but I feel like the numbers might still be off, but I don't exactly know what I'm looking at except the car price and the residual value. Any help would be great!

(I think payment should be lower, I'm either not seeing something or they are not showing something..)

u/Gbeast215 — 3 days ago

Honda Lease Buyout

My Honda lease is up next month and I am 90% sure I will be buying it out. I’m over my miles by 6,000, so not terrible, about $1000. My buyout is just shy of $16000 and KBB is saying it’s worth $18-$20K. I typically just trade in my lease for a new one, but think buying now is a better idea.

But I need to go through Honda Financial Services for financing. What kind of leverage do I have for good terms if that is my only option? What’s the best way to negotiate?

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u/Fragrant_Equipment13 — 3 days ago

Kia lease: they don’t want car back but contract says it’s over

So, I got a 13 month 1-pay lease on a Kia but my lease is up and time to return , I called to ask them for return locations and they said I have another 2 years left on my lease and they can’t give me return location. I asked them to send me contract and my contact shows 13 month lease. So there’s an issue in their internal system where it’s not matching the contract.

Now what should I do in this case? I’ve called 3-4 times since and they tell me the same thing. I’m also 3 months over the due date now. Please help on next steps!

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u/HJ10103 — 3 days ago
▲ 27 r/CarLeasingHelp+1 crossposts

Impacted by layoff , looking to learn car driving,can someone help?

I live near Indiranagar, and recently got laid off..

Things have been a bit rough mentally, so instead of sitting idle while preparing for interviews, I thought I should learn driving properly and maybe drive ola/ uber part-time for a few hours a day (don’t own a car; will rent one if needed).

I checked a few driving schools but honestly most felt shady and the Google reviews are terrible.. Looking for someone genuine who can teach properly (would be a great help)

Open to individual instructors if anyone teaches personally. Any leads for driving schools you’ve personally attended, or instructors/drivers you can genuinely vouch for, please let me know..

Thanks a lot..!

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u/BadZestyclose375 — 4 days ago

[TX] Early Exit on 2023 Kia Lease (23 Months Left) to Lease a Toyota/Chevy Truck

I’m currently leasing a 2023 Kia and need to figure out my options for getting out of it early. We are looking to transition into a Toyota or Chevy truck, but I’m not sure of the best path forward given we don't plan on keeping the Kia.

The Current Situation:
Vehicle: 2023 Kia
Remaining Lease: 23 months
Current Payment: $650/month
Mileage: Under the yearly limit
Equity: Roughly $1,000 negative right now (trade-in value is about $1k below my payoff quote).

The Goal: I want to lease a Toyota (Tacoma/Tundra) or Chevy (Colorado/Silverado) with a target payment of around $450–$500/month.

Where I Need Advice:
Kia’s Buyout Rules: I know Kia Finance America (KFA) generally does not allow lease transfers, and they are notoriously strict about blocking third-party lease buyouts. Because of this, a standalone Chevy or Toyota dealer might not be able to just buy it out directly. Has anyone navigated this recently in Texas? Do I have to trade it into a dealership that has a Kia store in their auto group, or do I have to buy it out myself first?
Rolling Negative Equity: If I am indeed $1k negative, is rolling that into a new lease feasible without completely blowing my $450–$500/month budget?
Feasibility: Are $450–$500/month leases even realistic right now for these crew cab trucks (assuming Tier 1 credit and minimal cash due at signing)?

Any insights, strategies, or recent experiences with exiting a KFA lease early would be hugely appreciated!

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u/No-Kiwi7723 — 3 days ago