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Luxury Car Lease-End Guide

Learn what happens at the end of your exotic or luxury car lease. Whether you’re ready to return the vehicle, extend your lease, or upgrade to a new model, Premier Financial Services offers tailored lease-end solutions designed for drivers.

Explore Your Lease-End Options

At the end of your lease, Premier offers four flexible options to suit your goals. Whether you want to keep driving your current car, cash in on its equity, or move on to something new. From ownership to trade-ins and refinancing, you’re in control of what comes next.

Love your car? Keep it!

If you’ve grown attached to your vehicle, you can simply pay the residual value at the end of your lease and take full ownership.

Sell & Keep the Equity

You have the option to sell your car to a private buyer, pay off the residual value, and keep any profit from the sale.

Trade In with a Dealer

You can trade in your vehicle at a dealership, where the dealer pays the residual value, and you keep any remaining equity.

Refinance & Drive

If you’d like to keep the car without a large cash outlay, you can refinance the residual value through a new lease and continue driving it.

Flexible Early Termination with Premier Leasing

Learn how Premier’s flexible lease structure gives you more control—with early termination options that let you step out of your lease when the time is right. It’s a smarter, more adaptable way to lease a luxury or exotic vehicle.

What to Do 90, 60, and 30 Days Before Lease-End

As your lease nears its end, a little planning can go a long way. Use this timeline to prepare for a smooth transition.

90 Days Out

Check Vehicle Values

Lookup your vehicle on the market because it is likely you may have positive equity. This might impact whether you decide to keep the vehicle or move on from it.

60 Days Out

Start the Decision Making Process

Decide on keeping the vehicle (Payoff / Refi) or moving on (Trade / Sale to Private party). Start planning for Refinance, Payoff or Trade.

Check to make sure registration is current and runs through End of Lease. Verify any final payments due and Lease end timeline.

30 Days Out

Contact a Premier Representative

Depending on your chosen option of Refinance, Trade or Payoff – one of our regional experts will help you finalize your decision. If you’re considering another car, ask for some quotes!

2 Weeks Out

Lease-End is Here!

Your plans should be finalized and any Refinance pre-approved. Work with your Premier Rep to complete any last-minute details regarding Refi, Payoff, trade or Approval on your next new car!

Thank you for choosing Premier!

What Our Clients Say

It’s hard to believe that I leased my first car over 10 years ago with Premier Financial. Since leasing that first car, I have leased 11 more with Premier. I am extremely selective with whom I do business and Premier has demonstrated time and time again that they do not only want, but deserve my business. They are so great to work with and so service-oriented that they literally make it impossible to go elsewhere for my leasing needs. They have won me over for life.

W. Lloyd

Premier Customer Since 2015

I want to take a moment to extol the value, amount of consideration and personal tailoring I have received as a client of Premier Financial Services for the past 15 years. There have been multiple cars I have leased through their program that was arranged to suit my needs. I remain a client today and enjoy the ease and familiarity of Premier Financial Services.

Peter B.

Premier Customer Since 2012

I have been continually satisfied with Premier’s superior services. They offer competitive quotes, expedite the drafting of lease documents and fund deals quickly. Thanks to Premier, I have now had the pleasure to drive three of my dream cars. I appreciate their professionalism and courtesy. I look forward to the pleasure of working with Premier in the future.

David M.

Premier Customer Since 2001

Had a truly A class experience. Very smooth and responsive process. Kevin kept me updated all along the way and got my financing done very quickly!

A.S.

Premier Customer Since 2025

I have been consistently impressed with the Premier team’s availability, attitude, and lease products. Their facilitation of vintage car transactions and their impressive flexibility to work with me individually has helped me achieve my collecting goals. Premier customizes their service and builds their relationship with me as a unique client.

David E.

Premier Customer Since 2014

Working with Premier Financial Services was nothing short of exceptional. From start to finish, their team demonstrated professionalism, transparency, and a deep understanding of what this moment meant to me. Purchasing my dream car was a deeply personal milestone, and Premier handled every step with care, efficiency, and respect. Their process was seamless, their communication was clear and consistent, and their commitment to delivering the best possible terms made all the difference.

Jacob Y.

Premier Customer Since 2024

Lease-End Frequently Asked Questions

Can I end my lease early?

Our Early Termination Program allows you to end your lease early by paying the balance owed, which is calculated on a simple interest formula.

Can I extend my exotic car lease?

While our standard lease period is 60 months, at lease-end, you can refinance your purchase option.

What if I want to keep the car?

At the end of your lease, if you want to keep your car, you have a fewoptions: you can purchase the vehicle by paying the final residual amount or refinance the residual payment, if eligible.

Are there fees or penalties?

Transparency is one of our hallmarks, and there are never hidden fees in our lease agreements. At the end of your lease term, the balance due consists of the agreed-upon residual value, the stated disposition fee and any applicable sales tax if you are purchasing the car. By configuring our leases this way, there are no surprises when your lease term ends (or at any other time). Right from the start, we provide an amortization schedule that shows where you stand at all times, and lets you know what’s owed at the end of the lease.

How does early termination work for exotic cars?

Our Early Termination Program allows you to end your lease early by paying the balance owed, which is calculated on a simple interest formula.

Ready to speak with a lease-end specialist?

Access New Trade-In & Upgrade Opportunities

Take advantage of a seamless transition into your next vehicle with exclusive trade-in programs and flexible upgrade options.

Access new models with no downtime
Customize your next lease
Trade-in programs for Premier clients

Enjoy Seamless Lease-End Vehicle Inspection

We simplify the inspection process with clear guidelines tailored to luxury cars, so you know exactly what to expect.

Cosmetic wear and tear
Excess mileage review
Return standards for exotic and classic cars