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Requesting your lease payoff: what to have ready and what to ask

A quick explainer on requesting your lease payoff: what to have ready, why to ask for an itemized quote covering taxes and the purchase-option fee, and why the good-through date matters. From Champion Auto Finance.

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Transcript

Most people request their lease payoff number exactly once, so it is worth getting right. Here's how in under a minute. Start with your lease account number and vehicle details, including your VIN and current mileage.

Then contact your leasing company through the app, your online account, or the number on your statement. Ask for an itemized quote. You want the buyout price, applicable taxes, the purchase option fee, and anything else still owed.

One lump number is not enough. Then note the good through date. Payoff figures expire, so confirm how long yours stays valid before you start lining up financing.

Bring that number to Champion Auto Finance, and we will match your deal to lenders across New Jersey, New York, and Pennsylvania. Start at championautofinance.com.

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Tell us about your vehicle and payoff amount. We’ll work to get you the best rate possible for your credit situation — from application to funding.

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Tell us the car and the approximate payoff — we’ll come back with a realistic financing picture within one business day. No obligation.

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Reviewed by Champion Auto Finance — NJ DOBI-licensed lease buyout financing partner·Updated October 12, 2026