The Trusted Name in Auto Refinance

Answers to Common Questions 

Lease Buyout Loan Frequently Asked Questions

We encourage you to visit your dealer for end of lease financing options. Or, if you prefer, you can visit Mode by GM Financial at to check eligibility and apply to finance the purchase of your lease online.
We make it easy. The process is completely online.1 Simply fill out the application for financing, and you’ll have an answer in no time.
Read what our customers are saying about Mode, and let’s see if we can get you a payment you’ll love.
1In some instances, we may require supporting documents to be mailed in

To be eligible for financing the purchase of your lease with Mode, you must meet the following criteria:

  • Current lease must end within 12 months
  • Vehicle must be no more than 9 years old and have less than 100,000 miles
  • You must be current on your lease payments
  • Current lease must be through GM Financial (other finance company eligibility coming soon)
  • Contact our Customer Experience team at 833-616-MODE (6633) or to obtain a code.
  • Enter your code at
  • Fill out the credit application.
  • Review and customize your offer. If available in your state, you’ll have the option of purchasing ModePlus GAP and/or ModePlus VSC coverage and including those payments in your loan.
  • Upload any documents we may need, like proof of income.
  • Sign your contract electronically and you’re all set!

Most applicants will have a decision within 24 hours.

Once you’re approved and sign your contract, you’ll receive welcome information from GM Financial confirming things like your monthly payment, first payment due date and instructions on how to set up your online account.

You don’t want to be saddled with major repair bills in the event of a mechanical breakdown. ModePlus VSC pays for covered repairs after the manufacturer's warranty expires.

In the event of a total loss on your vehicle, ModePlus GAP, or Guaranteed Asset Protection, can help cover you where the insurance settlement is less than the outstanding balance of your loan.2

If available in your state, you can purchase one or both optional products when you apply with Mode. Payment will be included in your loan, so there’s no upfront cost.

Get peace of mind and be protected from unexpected, covered costs with ModePlus VSC and ModePlus GAP.

You can call our friendly humans at 833-616-MODE (6633) or email us at

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