About
Champion Auto Finance helps drivers finance the purchase of their leased vehicle so they can keep it at lease end. It is based in Lakewood and works with customers nationwide through one application handled privately. Champion Auto Finance is not a lender; approvals and terms are subject to lender underwriting.
The first step is a short quote form asking for a name, phone number and email, with the vehicle and approximate payoff as optional fields; the company says it responds within one business day. After that, the customer shares the lease payoff details, basic vehicle information and some credit information, and the company reviews the numbers and puts together a proposed rate, payment and term.
The website breaks a buyout into stages: obtaining the payoff quote, checking equity, credit review, placing the financing, lien release, title transfer, registration and funding. Terms are explained before anything is signed, documents are signed electronically, and once the deal funds the lease payoff is settled and the driver keeps the car without a dealership visit.
Applicants are told to have a valid ID, proof of income, the vehicle's year, make, model, mileage and VIN, and a lease payoff quote ready. There is no single credit cutoff, and asking for a review carries no obligation. A formal lender application may involve a credit inquiry, and the company says it will tell the customer before that step. How long funding takes depends on the lender, the state's title process and how complete the file is.
The site also offers a lease buyout calculator and a reference page mapping vehicle brands to the finance companies that hold their leases. Customers can reach the company by phone or WhatsApp at the listed number.
