Does U.S. Bank allow lease transfers?

Generally, no. As of 2023, U.S. Bank has restricted lease transfers primarily to cases of death or divorce. Voluntary transfers between private parties are typically not permitted.

Can I sell my U.S. Bank lease to CarMax?

It is difficult. U.S. Bank is known for charging a 'Market Value' payoff price to third-party dealers (like CarMax or Carvana) that is significantly higher than your personal residual value. You usually must buy the vehicle yourself first to capture any equity.

What is the U.S. Bank disposition fee?

The disposition fee (turn-in fee) is typically $395 to $495, depending on your specific contract. It is charged if you return the vehicle without leasing or financing a new one through U.S. Bank.

What is the U.S. Bank lease customer service number?

You can contact U.S. Bank Lease Support at 800-872-2657 (800-USBANKS). For lease-end specific questions, call 866-250-3147.

U.S. Bank

Lease Buyout, Transfer, and End-of-Term Policies

The team at DSRLeasing.com provides comprehensive, up-to-date lease information for U.S. Bank. We strive to help you manage your automotive lease effectively.

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Lease Buyout Rules

U.S. Bank allows the original lessee to purchase the vehicle. However, they are known for having one of the strictest "Market Value" pricing policies for third parties.

Third-Party Price Inflation U.S. Bank typically charges a "Market Value" payoff price to third-party dealers (CarMax, Carvana, etc.). This price can be thousands of dollars higher than your personal residual value, making it very difficult to trade your lease in for equity.
Lessee Buyout: You can purchase the vehicle for the residual value listed in your contract plus any outstanding fees. To get your personal quote, call 800-872-2657.
Financing: U.S. Bank offers lease buyout loans directly to consumers if you wish to keep the vehicle.
Fees: A purchase option fee (typically $150 - $395) usually applies, in addition to state taxes and registration.

Lease Transfer Policy

⚠ Transfers Restricted

As of 2023, U.S. Bank has heavily restricted lease transfers. They are generally only permitted in cases of death or divorce. Voluntary transfers between private parties are typically not allowed.

Your Alternatives

Keep the vehicle until lease maturity.
Purchase the vehicle (buyout) and then sell it privately (check tax laws in your state).
Return the vehicle early (Early Termination fees will likely be significant).

Lease-End Fees & Wear Protection

Disposition Fee

$395 - $495 (Typical)

Charged if you return the vehicle. May be waived if you finance/lease a new vehicle with U.S. Bank.

GAP Insurance

Included

U.S. Bank leases generally include GAP waiver protection.

Avoid Unexpected Bills: Protection Plan Comparison

U.S. Bank is known for strict inspections. Compare the dealer's protection plan against DSR's independent option.

Dealer Lease Wear Coverage

Sold at Dealerships

$900 - $1,500+

Coverage varies by dealer/admin.
Often rolled into monthly payments (with interest).
Must be purchased at lease inception.

SMART CHOICE

DSR SafeLease Protection

Available via DSR Leasing

Starting at $399

Waives up to $5,000 in excess wear charges.
Covers tires, dents, scratches, glass, and interior stains.
One-time payment. $0 Deductible.

Get a Free Quote →

Contact U.S. Bank

Phone:	800-872-2657 (Lease Support) Mon - Fri: 8am – 8pm CT \| Sat: 8am - 2pm CT
Lease End:	866-250-3147 (Maturity Dept)
Payments:	U.S. Bank P.O. Box 790117 St. Louis, MO 63179-0117
Returns/Lien:	U.S. Bank (Collateral Release) 5065 Wooster Rd Cincinnati, OH 45226

Disclaimer: Policies for U.S. Bank are subject to change. Please consult your lease agreement for specific terms. DSR Leasing is an independent service and is not affiliated with U.S. Bank.