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Pearl Hawaii Credit Union
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Lease Buyout Loan

Plans change... and that can include deciding to keep your car at the end of its lease.

Lease Buyout



Auto Lease Buyout

If you’re not ready to give up the car that you love at the end of the lease, then consider purchasing it with a Lease Buyout Auto Loan with Pearl Hawaii. Determine how much it will cost to purchase your car by viewing your lease agreement and apply today.

Basically, contact us to see if you’re eligible for a low interest rate. Our loan officers are ready to help make your loan experience stress-free.


  • If you are over or under your mileage, you may experience consequences. Unfortunately, you will owe money if you are over. If you are under, you will lose money as the vehicle could now be worth more than the value, dependent.
  • Do you have excess wear and tear? If you buy the vehicle, you don’t have to come up with these out-of-pocket costs.
  • If you like your vehicle, you don’t need to worry about the hassle of shopping for another one.

How does it Work?

When you lease a vehicle, dealers will allow you to purchase the vehicle before or at the end of the lease contract.

Before you can decide whether a lease buyout is a good idea for you, it’s important to understand both the differences between the buyout options and the contractual requirements you’ll be required to meet.

Please keep in mind that you have choices. Typically, your options include:

1) Lease Buyout

You can buy the vehicle at the end of the lease.

2) Early Lease Buyout

You may be able to purchase your vehicle before the lease is completed. Although you may want to purchase the vehicle, it will be dependent on the contract that you initially signed.

3) Returning the Vehicle

Dependent on your situation, you may want to return the vehicle. Generally, you do not want to pay more than the value of the vehicle. If the lease buyout is higher than the vehicle’s value, it is not worth purchasing the vehicle.



Love The Car You’re Driving?

With a Lease Buyout through Pearl Hawaii Federal Credit Union, you can keep your vehicle and enjoy the perks of a Pearl Hawaii Auto Loan.

As a not-for-profit, our auto loan rates are structured to benefit your bottom line, helping you save money when you’re ready to finance a used car, truck, or SUV. Plus, we make the application and approval process quick so you can keep moving forward. Apply or visit us at one of our convenient locations throughout Oahu including Honolulu, Waipio, Waianae, Ewa, Airport area, and Pearl Harbor.

What are Pearl Hawaii’s Auto Lease Buyout rates?

Visit our rates page for details.