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Holiday Shopping Trends Help 2013 Finish With Healthy Credit Approvals

Cincinnati, OH (January 14, 2014), the nation’s largest car lease marketplace, reports lease credit approvals were up slightly in December (73.3%) compared with November levels (70%). The overall approvals rate on the year finished at 72.7%, compared with a 2012 rate of 65.3%.

Holiday lease shopping from a higher population of well-qualified lessees helped improve the credit approval rate from November, when just 70% of applicants were approved. Prior to December, the lease credit approval rate had slipped to 67.9% and executives believed a higher volume of less-than-ideal credit shoppers were placing stress on the approvals rate.

Historical marketplace trends show that a 70% credit approvals rate is considered healthy for The approvals rate had jumped as high as 76% in June of this year before dipping back down, mostly as a result of a higher influx of younger drivers dealing with high levels of student loan debt. Credit is the lifeblood of leasing, and the lease company must approval of all incoming lessees before a transfer can complete in the marketplace.

“We anticipated that 2013 would outperform 2012 levels due to the rising health of the automotive industry and overall economic conditions that continue to improve,” said Scot Hall, Executive Vice President of “The appetite for leasing should remain solid in 2014 and we believe we will maintain several months of healthy approvals activity, pending unforeseen economic climate conditions.”

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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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