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Auto Lease Buyout

When your lease is up, keep the car you love

let us help you keep your car

Your car or truck has taken you along life’s journey.  If you’re not ready to let it go when the lease is up, consider an auto lease buyout.  It can be a great way to stay in the car you love and get a great deal. We can help you make it happen.

  • Low Rates

    With our consistently low rates, buying out your lease could be more affordable than you think.

  • Flexibility

    We offer a variety of terms, up to 72 months on most leased vehicles.

  • Free, As It Should Be

    Our goal is always to save you money — that’s why we don’t charge you a fee when we buy out your lease.

Used Vehicle — 2022 Model Years


APR^ as low as

**Minimum loan amount for terms of 67 to 72 months is $15,000.

***Minimum loan amount for terms of 73 to 84 months is $25,000.


Up to 60 months

APR^ as low as



61 to 72 months**

APR^ as low as



73 to 84 months***

APR^ as low as


view additional rates

Calculate What Your Payment Will Be

buy out your lease in three easy steps!

  • One

    Locate your vehicle’s lease agreement and identify the purchase option amount and terms that will be listed in the lease.

  • Two

    Contact Reliant for an auto loan preapproval — apply online, at at any Reliant branch location, or by calling us at 800-724-9282.

  • Three

    Contact your lease holder and let them know you intend to buy out your lease.


Typically, payments will change. The amount of change is based on a number of factors, including the age of vehicle, and the term and interest rate of the new loan.

There are a number of valuation sources you may want to check to get the best idea of your vehicle’s current value.  They include Edmunds, Kelley Blue Book, NADA and others.

That is generally not an issue when you buy out your lease.

You can apply online, in one of our ten branches, or with one of our knowledgeable staff members over the phone by calling 800-724-9282 during regular business hours.

We encourage convenient automatic payment from a Reliant account. You can also make payments through online banking from an account at another financial institution using that FI’s routing & account number.

You can make a payment via Online Banking:

  • Log into your account via Online Banking
  • Click “Move Money” at the top of the page
  • Click “Loan Payment”

Mail in a payment by check to:

  • Reliant Community Federal Credit Union
    PO Box 40
    Sodus, NY 14551
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