Unlock your lease-end opportunities
Explore these options with confidence, knowing that our dedicated team is here to support you every step of the way. Your next adventure starts now—make the choice that drives you forward.
Buy out your lease
If you love your current vehicle and want to avoid the hassle of searching for a new one, Affinity offers great rates on used auto loans to buy out your lease.
Upgrade your lease
Ready for an upgrade? Trade in your leased vehicle at the dealership for a brand-new ride or return it hassle-free to Credit Union Leasing of America (CULA).
Who is CULA?
Credit Union Leasing of America (CULA) brings over 30 years of leasing expertise to Affinity members, providing excellent support throughout the entire leasing process.
Find answers to common leasing questions
Who is CULA?
CULA is the lessor and the owner of your vehicle. Affinity Federal Credit Union is the lender of your vehicle.
Does it cost me to have CULA pick up my vehicle?
Don't worry, there's no cost for CULA to pick up your vehicle!
Can the vehicle be picked up prior to my termination date?
Yes, provided the vehicle has been inspected and all monthly payments have been completed.
Should I make repairs to my vehicle prior to turning it in?
No, please review all options with a CULA representative. Your lease agreement may include a wear and tear insurance policy that allows CULA to waive up to $1,000 in wear and tear costs.
Related articles to help guide you.
Residual value, current vehicle value, and calculating LTV
Understanding residual value, current value, and loan-to-value ratio is key to making informed lease decisions.
Should I buy out my lease? A comprehensive guide
When your vehicle lease term nears its end, you might face a crucial decision: should you buy out your lease?
Buy or lease my next vehicle; what's the right move
When it comes to a new car, deciding whether to buy or lease can have an impact on your financial situation.