If you love your leased vehicle, a lease buyout from Ocean Financial will keep you in its driver's seat!

When it's right, the time is right now – Ocean Financial offers you:

  • Fixed rates as low as 2.74%.*
  • Extended terms up to 90 months.**
  • Borrow up to 115% of LTV.***
  • Guidance through the loan financing process.
  • Automatic payments.

When does a Lease Buyout Make the Most Sense for You?
Terms of auto leases vary depending upon the lender. If your lease includes a buyout option, there are some things that might help you decide if a buyout makes the most sense for you.†

  • If your car's current market value is substantially higher than its residual value as stated in your lease.
  • If you took great care of the vehicle and expect it to continue to be reliable.
  • If you exceeded your mileage limit or the car has excessive wear-and-tear, which can lead to high fees upon return.
  • If you love your car!

Apply Now


Speak to a Loan Officer at (516) 620-8100 today!

*APR = Annual Percentage Rate. Rates and terms accurate as of 7/01/2022. Rates and terms subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at different rates and other terms. For lease buyout terms of 66 months estimated monthly payment of $16.34 per $1,000 borrowed. Minimum auto loan is $1,000. Payment is based on used car rate of 2.74%. ** 90-month used auto stipulations: Minimum loan amount $30,000 and cannot be more than 2 years older than current year. ***Rate assumes LTV of 115% or less. Program subject to change without notice. Member conditions apply. 84-month used auto stipulations: Minimum loan amount is $20,000 and cannot be more than 4 years older than the current year. Borrowing up to 115% loan-to value (LTV) is available at higher rates, based on creditworthiness.

†There are other considerations and it's important to review and understand your original lease agreement before choosing to keep or return your vehicle.