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Last updated: May 2026How we rate

Best Lease Buyout Loans

Keep the car you've been leasing.

If your lease residual value is below the vehicle's current market value, buying out the lease can be a great deal — you're effectively buying a known-quantity vehicle below market. Compare lease buyout loan rates from the lenders below.

Are you eligible for a better rate?

1
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

5.99%–24.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

2
Beta Financial logo
Best for Lowest APR
Beta Financial951 reviews by Trustpilot
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Editorial review of Beta Financial is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.24%–24.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

6.24%–24.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

3
Gamma Bank logo
Best for Fast funding
Gamma Bank1,363 reviews by Trustpilot
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Editorial review of Gamma Bank is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.49%–23.99% APR
  • Loan amount: $1,000 to $100,000
8.0
Very good
See my rate
More Details:

APR

6.49%–23.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

4
Delta CU logo
Best for Bad credit
Delta CU1,775 reviews by Trustpilot
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Editorial review of Delta CU is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.74%–23.49% APR
  • Loan amount: $1,000 to $100,000
8.2
Very good
See my rate
More Details:

APR

6.74%–23.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

5
Epsilon Direct logo
Best for Large loans
Epsilon Direct2,187 reviews by Trustpilot
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Editorial review of Epsilon Direct is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 6.99%–22.99% APR
  • Loan amount: $1,000 to $100,000
8.4
Very good
See my rate
More Details:

APR

6.99%–22.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

6
Zeta Capital logo
Best for Customer service
Zeta Capital2,599 reviews by Trustpilot
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Editorial review of Zeta Capital is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.24%–22.49% APR
  • Loan amount: $1,000 to $100,000
8.6
Very good
See my rate
More Details:

APR

7.24%–22.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

7
Eta Lending logo
Best for Soft credit pull
Eta Lending3,011 reviews by Trustpilot
Apply online in minutes

Editorial review of Eta Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.49%–21.99% APR
  • Loan amount: $1,000 to $100,000
8.8
Very good
See my rate
More Details:

APR

7.49%–21.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

620+ credit

8
Theta Loans logo
Best for No origination fee
Theta Loans3,423 reviews by Trustpilot
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Editorial review of Theta Loans is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.74%–21.49% APR
  • Loan amount: $1,000 to $100,000
9.0
Excellent
See my rate
More Details:

APR

7.74%–21.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

640+ credit

9
Iota Mortgage logo
Best for Repeat borrowers
Iota Mortgage3,835 reviews by Trustpilot
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Editorial review of Iota Mortgage is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 7.99%–20.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate
More Details:

APR

7.99%–20.99% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

580+ credit

10
Kappa Trust logo
Best for Branch network
Kappa Trust4,247 reviews by Trustpilot
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Editorial review of Kappa Trust is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 8.24%–20.49% APR
  • Loan amount: $1,000 to $100,000
7.8
Good
See my rate
More Details:

APR

8.24%–20.49% APR

Loan amount

$1,000 to $100,000

Term

12–84 mo

Min credit

600+ credit

Our Top Choice

Most Popular on comparebankloans
Alpha Lending logo
Best for Overall pick
Alpha Lending539 reviews by Trustpilot
Apply online in minutes

Editorial review of Alpha Lending is in progress. Final scoring and methodology notes ship with the next content release.

  • APR: 5.99%–24.99% APR
  • Loan amount: $1,000 to $100,000
7.6
Good
See my rate

Frequently asked questions

  • When is a lease buyout worth it?
    When the vehicle's current resale value exceeds the residual value in your lease agreement. Check Kelley Blue Book or Edmunds for the current value — if it's $2-5k above your buyout price, buying out captures that equity.
  • What rate should I expect on a lease buyout loan?
    Typically 0.25-0.5% higher than a standard used-vehicle loan. Some captive lenders (the lease originator) offer buyout loans at par with their refinance rate — worth checking with them as a benchmark.
  • Can I negotiate the buyout price?
    Sometimes. The residual value is set at lease origination and isn't usually negotiable. But fees, taxes, and the captive lender's financing markup can be — and you can always refinance the buyout through a third party at a better rate.