Tell us what you have
Year, make, model, trim, mileage and whether there is finance or a lease on it. Two photographs of the car and one of the odometer are enough to start.
Two valuations, one payoff, no games
What your current car is actually worth
Most people have no idea whether there is equity sitting in their existing lease or loan. Often there is. We pull the payoff from the lender, value the car two ways and show you both numbers.
- Valuations given
- Wholesale and private
- Payoff source
- Your lender directly
- Typical turnaround
- One business day
- Obligation
- None
Start here
Tell us about the car you have
Three steps, about two minutes. No credit check at this stage and no obligation to do anything with the answer.
What happens to your number
How a trade in valuation is put together
Two valuations and one payoff figure. The gap between wholesale and private party is real money, and you should be the one deciding who gets it.
4 steps, scroll sideways
01 02 We pull the payoff
If there is a loan or a lease, we get the ten day payoff figure from the lender directly rather than relying on what you were told last year.
03 Two valuations, not one
A wholesale auction figure and a private party estimate. You see both, because the gap between them is the money you would earn by selling it yourself.
04 Equity or shortfall, in writing
Value minus payoff. Positive equity becomes a capitalised cost reduction on the new lease. Negative equity can be rolled, but we will show you what that costs in the payment first.
Four outcomes, all of them normal
What equity and shortfall look like in practice
| Situation | Detail | Result | What happens to it |
|---|---|---|---|
| Positive equity on a lease | Three year old sedan, payoff $27,400, private party value $28,900. | $1,500 equity | Applied as a cap cost reduction, which takes about $44 a month off a 36 month lease. |
| Positive equity on a loan | Four year old SUV, loan balance $14,100, wholesale $16,800. | $2,700 equity | Same treatment. On a loan the equity is usually larger because the payoff falls faster than the value. |
| Roughly level | Five year old hatchback, no finance, private party value $9,200. | $9,200 credit | Straightforward: the whole value becomes your cap reduction, or we can write you a cheque instead. |
| Negative equity | Two year old truck, loan balance $41,600, wholesale $36,900. | $4,700 shortfall | It can be rolled into the new lease, which adds around $140 a month. We will show that figure before anything is signed, and often suggest waiting. |
Scroll the table sideways to see every column.
Sample scenarios for demonstration. Rolling negative equity into a new lease increases the capitalised cost, which increases both the depreciation and the rent charge components of the payment. We will always show you that number before anything is signed, and we will sometimes suggest waiting six months instead.
The part nobody tells you
There is often equity in a lease
A lease payoff is the remaining depreciation plus the residual plus unearned rent charge. If the market has been kinder to your car than the bank's three year forecast was, the difference belongs to whoever exercises the purchase option. That is you.
Nobody sends a letter about it. We have had customers finish a term $1,500 to $3,000 in the money and have no idea until we called. It is why the month 30 call exists.
Trading in
Payoffs, equity androlling over
If a question you have is not here, call and ask for a lease advisor. Nobody will read you a script.
Ask the lessor for a payoff quote, then compare it with a private party valuation for your mileage and condition. If the value is higher, that difference is yours if you buy the car and sell it, or it can be used as a trade in credit on your next lease. We check this for every customer at month 30 and call if there is anything in it.
There are four routes and they are not equally priced. A pull ahead in the last six months can waive up to three payments. A lease transfer after month seven costs $595 and passes the car to a new driver. An early buyout makes sense when the car is worth more than the payoff, which happens more often than people expect. Straight early termination, where you owe the payoff minus wholesale value, is the expensive last resort.
The first check is a soft pull, which does not affect your score and tells us your tier and the money factor you qualify for. A hard pull only happens when you choose to proceed on a specific car, and you will be told before it happens.
Median decision time is eleven minutes during business hours. Applications submitted overnight are usually answered before 10 am. If something needs a manual look, Amira reviews it personally rather than sending a template decline.
On the ground this month
This month's lease deals
Sample monthly payments on cars we have here now, each with the term, mileage band, due at signing, residual and money factor on the card. Nothing is hidden behind a phone call.
All 10 offers
6 deals, scroll sideways
Best valueHatchback · 244 mile EPA range
2026 Nordvik Alto Core
The cheapest way into an electric car in Austin
$281a month, sample
- Term and band
- 36 mo / 10,000 mi
- Due at signing
- $2,111
- Residual
- 59% of MSRP
- Money factor
- 0.00145 (3.48%)
Most leasedSedan · 301 mile EPA range
2026 Aveon Lume S
The car we lease more of than anything else
$342a month, sample
- Term and band
- 36 mo / 10,000 mi
- Due at signing
- $2,672
- Residual
- 60% of MSRP
- Money factor
- 0.00135 (3.24%)
SUV · 289 mile EPA range
2026 Kestra Ridge SE
Five seats, 31.7 cubic feet and a tow rating that is real
$440a month, sample
- Term and band
- 36 mo / 12,000 mi
- Due at signing
- $3,770
- Residual
- 57.5% of MSRP
- Money factor
- 0.00142 (3.41%)
Estate · 315 mile EPA range
2026 Solene Drift Estate
More cargo than the SUV, 26 miles more range
$506a month, sample
- Term and band
- 36 mo / 12,000 mi
- Due at signing
- $4,336
- Residual
- 56.5% of MSRP
- Money factor
- 0.00139 (3.34%)
SUV · 302 mile EPA range
2026 Kestra Ridge Ultra 7
Seven seats, and a 39 month term that shaves the payment
$659a month, sample
- Term and band
- 39 mo / 12,000 mi
- Due at signing
- $5,489
- Residual
- 54% of MSRP
- Money factor
- 0.00149 (3.58%)
Truck · 271 mile EPA range
2026 Byrne Haul 150 Crew
A 9.6 kW generator that also does the school run
$713a month, sample
- Term and band
- 36 mo / 15,000 mi
- Due at signing
- $5,543
- Residual
- 51.5% of MSRP
- Money factor
- 0.00139 (3.34%)