Auto Lenders: Payoff Addresses, Phone Numbers & Lease Buyout Rules

Who holds your car loan or lease, where to send the payoff, how to reach them, and whether a dealer or third party can buy out your lease. 24 lenders, every fact taken from the lender's own website and linked to it — anything we couldn't confirm there is left blank.

Last verified November 8, 2026

Automaker finance companies

LenderBrandsPhoneDealer buyoutThird-party buyout
Toyota Financial ServicesToyota, Lexus(800) 874-8822AllowedWith conditions
American Honda FinanceHonda, Acura(800) 708-6555Not publishedNot published
Nissan Motor Acceptance Company (NMAC)Nissan, INFINITI1-800-777-7018Not publishedNot published
Mazda Financial ServicesMazda1-866-693-2332AllowedWith conditions
Subaru Motors FinanceSubaru800-644-1941Not publishedNot published
Ford CreditFord, Lincoln1-800-727-7000AllowedNot published
GM FinancialChevrolet, Buick, GMC, Cadillac1-800-284-2271AllowedNot allowed
Stellantis Financial ServicesChrysler, Dodge, Jeep, Ram, FIAT, Alfa Romeo800-439-0985AllowedNot published
Hyundai Motor FinanceHyundai800-523-4030AllowedNot published
Kia Finance AmericaKia866-331-5632AllowedNot published
Genesis FinanceGenesis844-363-7477AllowedNot published
BMW Financial ServicesBMW, MINI800-578-5000Not publishedNot allowed
Mercedes-Benz Financial ServicesMercedes-Benz800-654-6222Not publishedNot published
Volkswagen Financial Services (VW Credit)Volkswagen1-800-428-4034With conditionsNot allowed
Porsche Financial ServicesPorsche1-800-PORSCHE (1-800-767-7243)Not publishedNot published
Volvo Car Financial ServicesVolvo1-866-499-6793Not publishedNot published
Land Rover Financial GroupLand Rover, Jaguar1-800-227-5151Not publishedNot published

Banks & independent auto lenders

LenderBrandsPhoneDealer buyoutThird-party buyout
Chrysler CapitalChrysler, Dodge, Jeep, Ram888-222-4227AllowedNot published
Santander Consumer USAMulti-brand (incl. Chrysler Capital accounts)888-222-4227AllowedNot published
Ally AutoMulti-brand (through franchised dealers)1-888-925-2559Not publishedNot published
Tesla Lease (serviced by Chase)Tesla1-800-242-7396Not publishedNot allowed
Chase AutoMulti-brand; services Subaru, Jaguar, Land Rover, Maserati, Aston Martin, McLaren, Rivian and Tesla programs1-800-336-6675Not publishedNot published
Capital One Auto FinanceMulti-brand (auto loans)1-800-946-0332Not publishedNot published
U.S. Bank AutoMulti-brand (dealer auto loans and leases)800-872-2657 (800-USBANKS)With conditionsNot allowed

“Not published” means the lender's site doesn't state a policy — call the lender. Buyout rules are as of November 8, 2026.

FAQ

What is a captive finance company?

A captive finance company is the lending arm owned by (or operating on behalf of) an automaker — Toyota Financial Services for Toyota and Lexus, Ford Credit for Ford and Lincoln, and so on. Most new-car leases are written by the brand’s captive, so the captive is who you pay, who sets the lease-end rules, and who releases the title.

Where do I send my car loan or lease payoff?

To the lender that holds your contract — the name is on your statement and on the title as lienholder. Each lender page here lists the payoff mailing and overnight addresses published on the lender’s own website. Always request a current payoff quote first: the amount changes daily and some lenders use different addresses for loans and leases.

Can a dealer or third party buy out my lease?

It depends on the lender, and many changed their rules between 2022 and 2024. Some allow any dealer, some only their franchised dealers, and some only the lessee. The table on this page shows what each lender’s official site says as of November 8, 2026.

Lease & payoff tools

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