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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.

Manual Lease Calculator

A. Residual Value
$ _________________________________ MSRP (including dealer installed factory equipment)
X _________________________________ Bank residual value %
- _________________________________ Mileage adjustment
$ _________________________________ Residual Value
B. Capital Cost
$ _________________________________ Base capitalized cost
+ _________________________________ Dealer installed non-valued options
= _________________________________ Initial value
+ _________________________________ INS: LA&H/Ext. Warranty/Luxury Tax
- _________________________________ Cap Cost Reduction (Cash or Trade Equity)
+ _________________________________ Documentation/Assignment Fee
$ _________________________________ Net Capital Cost
C. Monthly Depreciation Charge
$ _________________________________ Depreciation (B-A)
÷ _________________________________ Term
$ _________________________________ Monthly Depreciation Charge
D. Base Monthly Lease Charge
$ _________________________________ B + A
X _________________________________ Bank Factor
$ _________________________________ Base Monthly Lease Charge
E. Monthly Rent Payment
$ _________________________________ C ÷ D
+ _________________________________ Sales/use tax _____________%
$ _________________________________ Monthly Rent Payment
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Media Center

U.S Patent No. 6,965,874.
© Copyright 1999-2015 Swapalease.
All Rights Reserved.



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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