U.S. Bank Auto: Payoff Address, Phone & Lease Rules
U.S. Bank writes auto loans and leases through dealers. Below: the payoff addresses, lease-maturity lines, inspection process and third-party buyout rule U.S. Bank publishes.
Also known as: U.S. Bank Lease · U.S. Bank Consumer Loan Servicing
Brands: Multi-brand (dealer auto loans and leases) · Last verified November 8, 2026 against U.S. Bank's official website
Contact & payoff details
Customer service
Mon–Fri 7 a.m.–8 p.m. CT; Sat 8 a.m.–2 p.m. CT
Lease payoff address (regular mail)
U.S. Bank LeasePO Box 790117St Louis, MO 63179-0117Loan payoff address (regular mail)
U.S. Bank Consumer Loan ServicingPO Box 790179St Louis, MO 63179-0179Loan payoff address (overnight)
U.S. Bank Consumer Loan ServicingPrincipal Payment/Payoff Processing1850 Osborn AveOshkosh, WI 54902Verify the address and your exact payoff amount with the lender before sending payment.
Lease buyout rules (as of November 8, 2026)
| Who buys the car | Policy |
|---|---|
| You (the lessee) | Allowed |
| A dealer buying it for you or taking it in trade | With conditions |
| A third party (another dealer, online buyer, friend or family) | Not allowed |
Your lease payoff price is for you, the lessee. A dealer can take the vehicle in trade as part of buying or leasing a new vehicle; the dealer calls 866-250-3148 for the payoff. U.S. Bank can't process third-party sales to friends, family or other individuals.
“The payoff amount is good for the lessee only. We cannot process third party sales (to friends, family members, etc.).”
Weighing it up? Compare your buyout price to today's market with the lease buyout calculator.
Lease-end process
About 60 days before your lease ends, an independent inspection company contacts you to schedule a free inspection, and only that inspector's assessment counts. To return the car, call 866-250-3147 to arrange it, complete the inspection, set up drop-off with the dealership, and send in the end-of-term paperwork. Your final statement can include excess wear, excess mileage, a termination fee and taxes. If you buy or trade the vehicle, excess wear and mileage charges don't apply.
Title & lien release after payoff
Allow up to 10 business days for the lien release after a loan is paid in full. For electronic titles, U.S. Bank sends the release to the state, which mails a lien-free title. For paper titles, U.S. Bank signs off the lien and mails the title to your address on file.
Title not showing up? Our lien release guide covers state-by-state next steps.
U.S. Bank FAQ
What is the U.S. Bank payoff address?
Lease payoff address (regular mail): U.S. Bank Lease, PO Box 790117, St Louis, MO 63179-0117. Loan payoff address (overnight): U.S. Bank Consumer Loan Servicing, Principal Payment/Payoff Processing, 1850 Osborn Ave, Oshkosh, WI 54902. Source: U.S. Bank's official website, verified November 8, 2026.
What is the U.S. Bank phone number?
Customer service: 800-872-2657 (800-USBANKS) (Mon–Fri 7 a.m.–8 p.m. CT; Sat 8 a.m.–2 p.m. CT). Lease maturity (returns, buyouts within 12 months of maturity): 866-250-3147. Dealer trade-in payoff line: 866-250-3148. Verified on U.S. Bank's official website November 8, 2026.
Can a third party buy out a U.S. Bank lease?
As of November 8, 2026: Your lease payoff price is for you, the lessee. A dealer can take the vehicle in trade as part of buying or leasing a new vehicle; the dealer calls 866-250-3148 for the payoff. U.S. Bank can't process third-party sales to friends, family or other individuals.
How do I get my title from U.S. Bank after payoff?
Allow up to 10 business days for the lien release after a loan is paid in full. For electronic titles, U.S. Bank sends the release to the state, which mails a lien-free title. For paper titles, U.S. Bank signs off the lien and mails the title to your address on file.
How do I log in to my U.S. Bank account?
Manage your account online at https://www.usbank.com (U.S. Bank's official site).
Lease & payoff tools
- Lease buyout calculator — is your buyout price worth it?
- Lease payment calculator
- How to get out of a car lease
- Lien release guide
- Current money factors by brand
Shopping for your next car? Search cars for sale.
Sources
- U.S. Bank — How do I get a payoff for my lease?
- U.S. Bank — Car leasing
- U.S. Bank — Returning a leased vehicle
- U.S. Bank — End-of-lease guide (PDF)
- U.S. Bank — Payment addresses
- U.S. Bank — Title after payoff
- U.S. Bank — Auto loan payoff
Last verified November 8, 2026. Facts are taken only from U.S. Bank's own website; anything we could not confirm there is left off this page. CarWhere is not affiliated with U.S. Bank Auto.