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We help you GET OUT OF A LEASE by finding someone who wants to TAKE OVER your lease through a lease transfer.

Actually swapping leases is not necessary! You can get out of a lease or get into a lease.

Get Out of Car Lease, Break a Lease, Swap A Lease, Lease Transfer or Lease Trade, It's All the Same Thing...

Yes, you can get out of your car lease without financial liability or damaging your excellent credit.

You’ve probably already discovered that getting into a car lease is so much easier than getting out.

Quitting a lease means backing out of an original agreement that provided for low payments over a fixed number of years. Those low payments are only possible if the lease is completed as agreed.

There Are a Number of Ways to Get Out of a Car Lease:

In order to get out of your car lease early ("early termination"), you can return your car and pay the lease company what you still owe, which could be substantial. At least, that's one way to do it but not necessarily the best way.

The reason that this might not be the best way to get out of your lease is that the amount you owe on your lease can be much more than you might have anticipated; due to the way in which the lease company calculates your early termination costs (read the small print on the back of your lease contract).

Most people are very surprised when they learn just how much they owe. They quickly learn how little of their lease balance has been paid off.

There seems to be a common misconception that, to get out of a car lease, one simply returns the car, pays some kind of penalty, and it's all over. Not true. Unfortunately, this couldn’t be further from the truth.

The actual cost of early lease termination can be thousands of dollars, depending on how much of the lease remains.

Your Solutions to Break Your Car Lease Early:

Actually, you have a number of possible options for getting out of your lease, some of which will be better for you than the others. You're looking for the option that is the most cost effective that will get you out quickly and easily as well as protect your excellent credit rating.

Lease Transfer Is The Best Way.

Your best option is to transfer your lease to someone who would like to get into a little or no money down lease with a shorter than standard term — a lease assumption. There are significant advantages for this method. It is low cost (no penalties, no payoffs, however there is a small transfer fee), it’s, easy, and it does not affect your credit score.

There's a whole set of potential buyers out there who are looking for short-term leases without going through dealers and the associated extra costs.

However, to get out of your lease using this method, you need to follow the correct process and check to see if your lease company allows it. You can't simply let someone take over your lease without the lease company's knowledge and involvement. The new "lessee" must get approved and sign new lease papers.

The good news is that help is available online, just click here and start the process or give us a call 866-792-7669 option 3. Monday through Friday 9am to 8pm Eastern

I used SAL to find a new owner for my Volvo. It is a great program. It took about 45 days to find a new owner. The SAL people were excellent and I accomplished the transfer easily. Would use SAL again if the circumstances were there.
- S. Rosenwasser view all testimonials


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The leader in lease transfers and lease assumptions. can help you exit your vehicle lease early by marketing your car lease to lease buyers seeking a short term lease assumption or lease transfer. Buyers can assume or takeover a lease that fits their payment budget as well as choose a lease term that meets their needs. is the lease trade leader, the largest lease trader, and the pioneer in the lease transfer and lease assumption business. is your best option for both entering and exiting automotive leases cost effectively.

Swapalease News & Events


Time Magazine

Websites like have helped facilitate such transactions. You pay to dump a lease, but the price can be thousands less than you would owe if you turned the lease in early to a dealer. Meanwhile, buyers can pick up some sweet rides for hundreds less than their normal cost, with short-term contracts and no down payment.

USA Today

Consumers aren't limited to what's being offered on the auto lots. They can buy a car, or take over someone else's lease on Web sites like, a popular site that act as matchmakers between buyers and sellers.

Wall Street Journal

Terminating a Car Lease

The problem:

Getting out of a cal lease early
The Solution:

Find someone to take over your lease through service such as The site charges a fee to post a listing, and say finding someone is easiest for leases with 24 months or less left.

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