Keep the car you already love
It fits your life, it has never let you down, and you know its whole story. You don't have to hand it back. A lease buyout turns the car you've been borrowing into the car you own — often at a price set years ago, below what it's worth today.
Start keeping your car
Tell us about the car you’re keeping and roughly what the payoff is. We work to get you the best rate possible for your credit situation.
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No goodbyes
Skip the turn-in, the inspection, and the used-car lottery that follows.
A price from the past
Your buyout was fixed at signing — when it sits below today’s value, that gap is yours.
Fees, cancelled
No disposition fee, no wear charges, no mileage bill. Buying out erases the return costs.
Common questions
How do I know if keeping it is the right call?
Compare the car's market value to your payoff plus tax and fees. At or below value — and a car you'd happily drive for years — keeping is usually the win. We'll run the numbers with you honestly.
What if my credit isn't great?
Buyouts are friendlier than most loans: known car, fixed price, and your own payment history on this exact vehicle. Every credit situation is welcome; approvals are subject to lender underwriting.
Is Champion Auto Finance a lender?
No. We are a licensed NJ financing partner — we coordinate your lease buyout financing with lenders and handle the process end to end. Approvals, rates, and terms are subject to lender underwriting.