Lease-End Information

For answers to some common questions regarding purchasing your lease you can:

• Visit our FAQs
• Send your request through the Secure Message Center on Chase.com or contact us.
• Sign into your Auto Portal to see loyalty offers on a new Subaru vehicle

Still unsure?

Have a Retailer Contact Me

If you need more time to get the Subaru vehicle you want, send your request through the Secure Message Center on Chase.com or contact us to see if you qualify for a one-time, six-month lease term extension on your current lease.¹ You must be current on your lease payments and not subject to any bankruptcy or repossession proceedings.

Lease term extensions are available for a maximum of six months for those who qualify. You can turn-in your vehicle at any time during the six months without incurring Early Termination penalties; you do not have to wait until the scheduled maturity date. You must turn-in or purchase the vehicle at the end of the six-month extension. Mileage is pro-rated for each month.

Use the Subaru Wear and Use Guide to help you anticipate potential lease-end charges. Depending upon the results, you may wish to call us to schedule a pre-inspection at no cost to you.

Schedule your complimentary pre-inspection², at least 45 days prior to your turn-in date to ensure you receive an appointment that fits your schedule. You may schedule an appointment online or contact us.
 
A pre-inspection is an evaluation of the wear and use on your vehicle so you can anticipate potential lease-end charges³. Pre-inspections are completed by an independent inspection company, AutoVIN, and can be arranged at your home, office, or other convenient location. You can review your online condition report about 24 hours after your appointment.

If you do not get a pre-inspection, we will still complete an inspection after you turn-in your vehicle, and you will not have the opportunity to make repairs. Applicable excess wear and use charges will appear on your final Lease-End Bill.

See Excess Wear and Use for additional information.

If you are returning your vehicle, view our Lease Turn-in checklist to ensure a smooth lease turn-in.

If you decide to return your current Subaru, contact your Subaru retailer in advance to arrange for the return.

If you need help locating a nearby Subaru retailer, visit Subaru.com and we'll help you find one.

Here’s what you need to do on the day you return your vehicle:

• Remove all personal items
• Place the owner's manual in the glove box
• Turn in all sets of keys to the vehicle
• Clear any personal digital information from in-vehicle interfaces
• Anything that came with your Subaru when you first leased it is required to be included when returned. You may be charged for missing items, including keys, manuals, and/or cargo covers
• Avoid tire replacement charges - ensure that all tires match and are of comparable quality to the original equipment, no snow tires, no tires are missing or damaged, and each tire must have at least 1/8th-inch tread at its lowest point
• See the Excess Wear and Use section of your Lease Agreement for additional details and exclusions

License plate return instructions and/or release of ownership practices vary by state. Contact your local Department of Motor Vehicles prior to lease turn-in for requirements specific to your area. Your retailer may assist during your turn-in appointment, but it is your responsibility to complete the state requirements.

When your lease ends, federal law (and state law, if applicable) requires that you disclose the mileage on your vehicle’s odometer. Complete, sign, and date an Odometer Statement and return it to us or send your request through the Secure Message Center on Chase.com.

Please complete the turn-in form within one business day of vehicle turn-in to ensure that we have the correct date and information to calculate your lease-end bill, if applicable.

When to expect the final bill
You may receive a Lease-End Bill 30-60 days after the vehicle has been returned. Early termination and other situations where the vehicle must first be sold can expect a bill about 90-120 days after vehicle turn-in.

Automatic Payment
Immediately after your last payment clears your account, cancel your automatic payments to avoid over-payment. Even if you are a Chase banking customer, you must cancel your automatic payments.

What to expect on the final bill
The Lease-End Bill may include the following:

We want you to feel comfortable with the lease-end process and any charges incurred at vehicle turn-in. Wear and use is outlined in your Lease Agreement as follows:

• Holes, tears, burns, stains, strong odors or excessively worn areas in the carpet, other interior surfaces or convertible top;
• Scratches, chips, dents, pits, rust, holes or cracks in the wheels or exterior surfaces, windshield or other glass surfaces or metal work
• Cracked, broken, or missing windows, doors, lights, trim, mirrors, or antennae;
• Missing, damaged or nonworking mechanical equipment, safety or emissions control equipment, electrical or other parts or accessories;
• Damage to the vehicle's frame or alignment;
• Damage due to improper, poor quality or incomplete repairs or paint work. You also will remain liable to us for the full cost of any such items resulting from intentional or willful abuse or misuse;
• Any wear and use related to tires. Tire tread must be at least 1/8” (4/32”) at the lowest point and may not contain any other damages. Also make sure that all tires match and are comparable quality to the original equipment. Also make sure to remove snow tires prior to your pre-inspection. Other items may be excluded as set forth in the Lease Agreement;
• Any missing manuals or missing or nonworking keys or remote entry devices.

If you note any chargeable damage, you may choose to make repairs to reduce your end-of-term liability⁴. If you make any repairs, you should notify us through the Secure Message Center on Chase.com. Please send your message, including receipts for any repairs, prior to turn-in (repairs must be made by a licensed repair facility). See Understand Your Wear and Use for additional information.

Additional Mileage

• We do not offer additional miles for purchase.
• Review the per mile charge in your Lease Agreement or contact your retailer to discuss any options they may have to offer. If the overage is significant, you may wish to purchase your vehicle.

Under Mileage
While we do appreciate that you stayed under your mileage allowance, we do not currently offer any credits or rollovers for unused miles.

If you return the vehicle more than 30 days before the maturity date, the Lease requires you to pay an early termination charge. This will be calculated two ways, and you will be responsible to pay the lesser of the two amounts:

• Under the first calculation, we will subtract the price we get for the vehicle at wholesale, less sale-related expenses, from the adjusted lease balance at the time the vehicle is turned in.
• The second calculation is based on the sum of your remaining monthly payments due under the lease plus your end of term liability, which includes any disposition fee and charges for excess wear and mileage, if applicable.

Please note, you will still owe any other amounts due under the lease, such as any past due payments, any unpaid late fees and any taxes. Also, if your state charges personal property tax on the vehicle, you will remain responsible for any future tax bills for tax periods occurring before you returned the vehicle.

If you receive a Lease-End Bill, it will come from Subaru Motors Finance within 60-90 days. However, with the COVID-19 impacts, delivery of your lease-end bill may be delayed. The lease-end bill will not be viewable online.

Please complete the turn-in form within one business day of vehicle turn-in to ensure that we have the correct date and information to calculate your lease-end bill, if applicable.

The disposition fee is commonly charged if you don't purchase the vehicle. It covers the transport and sale costs associated with your vehicle. However, current lessees may qualify for the Loyalty Disposition Fee Waiver Program⁵. With this program, any disposition fee you may owe under your current lease will be waived when you return your current leased vehicle and lease a new vehicle through Subaru Motors Finance within 180 days of turning in your leased vehicle.

Your lease contract requires either the purchase or return of your vehicle by your lease maturity date.

If you want to purchase your vehicle or just need more time to decide on your next steps, send your request through the Secure Message Center on Chase.com to discuss your options. Extending your lease is possible under certain circumstances.

If you’re leasing your current Subaru through Subaru Motors Finance, the Subaru of America Lease Loyalty Program could bring you more savings on your next Subaru lease. Under the Lease Loyalty Program, Subaru of America will make the first monthly payment on your new Subaru up to $500 when leased through Subaru Motors Finance. In addition, whether you lease or purchase through Subaru Motors Finance, Subaru of America will pay any disposition fee owed on your current leased Subaru as well as up to $200 for key replacement and $300 for tire replacement. Offer subject to program rules and customer eligibility requirements. Ask your Subaru retailer for Lease Loyalty Program details.

• Sign into your Auto Portal to see loyalty offers

Lease Turn-In Form

Additional General Servicing Forms and submission instructions are available on Chase.com:

• JPMC One and the Same Affidavit
• Name Correction
• Odometer Statement
• Primary Non Income Producing Vehicle use form
• Power of Attorney
• Third Party Authorization