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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.

early car lease termination

Need to learn how to early car lease termination? You've come to the right place. We are constantly asked by consumers how to early car lease termination with the minimal amount of headaches. In fact it's really easy. Most people want to know how to early car lease termination because it will save them thousands of dollars in initiation fees. So you probably want to know how to early car lease termination on-line! First you should know that thousands of these transaction are done with leasing companies all around the country. It's a very common practice and once you understand how it works, you'll probably be early car lease termination all the time!

What is a lease assumption?

A lease assumption allows one person to assume an in-process lease from another person.For example, if your neighbor had 18 months left on his car lease, and you wanted to take over his lease, you would simply assume his lease and start making the payments each month for the remaining 18 months. At the end of the term you would turn the car into your leasing company just as you would if you had leased the vehicle new. The process itself is relatively easy to understand and can provide a great deal of benefit and financial incentive if you use a lease assumption to your advantage.

What are the benefits of assuming someone else's lease?

For the Buyer (the person assuming a lease) you are able to take over an existing lease with no money down and with a shorter lease term than you would normally have to take on if you were to write a whole new lease. In most cases it is difficult to even find a “short term” lease these days with the average lease term ranging over 40 months. Assuming a lease can save you thousands of dollars and only require a short term lease agreement. In many cases, Sellers (those looking to hand over their leases) are willing to offer Buyers incentives in the form of cash or other terms that are exciting to Buyers. We have seen cases where Sellers are willing to write checks as large as $15,000 to walk away from their lease obligations! The incentives offered are typically in proportion to the size of the lease and the intentions of the Seller.

Why would someone want you to assume their lease?

As the existing holder of a lease (let''s call this person a “Seller”), they are already bound to a leasing contract for the duration of their remaining term. In order to exit that lease early, they would have to pay thousands of dollars in early termination penalties to their leasing company. The leasing company is under very little incentive to allow the Seller to return your vehicle to them. They lose thousands of dollars instantly when a vehicle is turned back in early.

The alternative is to find someone else who would like to assume a lease, allowing the Seller to walk away without paying these stiff penalties. In some cases they may offer a cash incentive to a Buyer to make their deal more attractive than a new lease or competing deals.

It's important to remember that when signing a lease you have a contractual obligation to the leasing company for the entire term of the lease. It''s not a month-to-month rental, so your obligation is not just the monthly payment, but the entire amount of the lease, which usually totals tens of thousands of dollars.

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U.S Patent No. 6,965,874.
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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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