I’ve been searching on this topic, but haven’t found much specific information on legitimate options in regards to getting out of a lease with stellantis financial in 2025 without losing my shirt…
When I search the forum, there’s a lot of conflicting information around SFS, most surrounding the Jeep 4xe stuff when people were flipping. I know CCAP sounds much more friendly with lease flexibility etc etc. - but that doesn’t help me much.
I called stellantis and they said my options would be to trade the truck back into a dealer or buy out the lease. Simple enough, but I’m hoping someone savvy might have a good way to navigate this to a favorable end result.
First dealership I called to test the waters on trading in and signing a different deal told me flat out I’d have to roll negative equity no matter what. I took that as a red flag because they don’t even ask any questions. When they heard lease they just said yep you’re gonna have negative equity…
My lease deal is: 42mo/5k Term Residual - $41,367.75 (57%) MSRP - $72,570 Net Price After Incentives - $59,000 $0 Trade In $570 Down (First Payment DAS) $570 Monthly Payment TOTAL SALES PRICE - $61,032.42
My buyout from SFS right now is $64,495
($4,942 of that total are taxes that were rolled up on the deal).
Swapalease says they don’t touch SFS leases.
The goal is to try and get out of the lease without killing my wallet too badly. Looking for advice from those that might have some insights on what next steps to take dealing with a SFS lease.
Are my only two options really to try and get a loan to buy out the lease, or trade in and eat the negative equity?
Before anyone says anything - this isn’t a desperation thing.
I’m fine riding out the lease term.
I just wanted to know what my options are and how big of a hassle it might be to get out of current lease and into another vehicle with different financial program.
How many months left on the lease? Unless you have positive equity which hasn’t happened in years with jeeps, you are on the hook.
It’s not a red flag, he prob deals with the same scenario 10x a week. A red flag would be the typical dealer response of “we’ll take care of it” and just roll it in without you knowing and lying about it.
You are already out almost $5K for just the taxes that you will never get back. I don;t think there is any good solution here. This is for a Ram truck (not a Jeep)? What are others selling for in your area? Use that as a guide to determine how far upside down you will be. Sorry I don’t have better suggestions.
True, I meant red flag on my situation. I didn’t clarify well. That interaction is what sparked me to look a little deeper on my current standing and options.
As stated, I can fulfill the lease no issue. The truck is fine. The deal I signed is decent for being a pickup that’s non EV. No issues there. I’m not begging to get out of it by any stretch.
I just like to have options and sometimes get bored and like to explore different vehicles. I’m a flipper at heart, and if I get that itch, I like to have a good idea of what it’s going to take and how to maneuver a deal to get to where I want to be.
‘25 Ram Laramie 4x4, Level 2 Group, Night Edition, Tow package, bed liner, 22” Factory Wheels, everything except heads up display and digital rear mirror.
