# \*\*One Pay Question If Vehicle Totaled\*\* **URL:** \ **Category:** Ask the Hackrs\ **Tags:** oh\ **Created:** [October 1, 2025, 10:32am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608 "2025-10-01T10:32:46Z")\ **Posts on this page:** 14\ **Page:** 1
**Author:** ![eriefishpimp](https://leasehackr.b-cdn.net/letter_avatar/eriefishpimp/32/5_5575768a8748004e209b776fc1b2916d.png) [@eriefishpimp](https://forum.leasehackr.com/u/eriefishpimp)\ **Post date:** [October 1, 2025, 10:32am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/1 "2025-10-01T10:32:46Z")
Serious question on the one pay options as I have heard both good and bad. I went with the monthly vs the one pay on my 2026 Hummer out of little fear. Had some dealers as I was searching for my Hummer Deal advise against the One Pay. Theory was if you happen to total the vehicle you are out all that money. Some even mentioned about putting money down on leases for that factor. So it raises the question is these true or dealers just trying to collect on the financing on the backside. ---
**Author:** ![j\_e\_f\_f](https://leasehackr.b-cdn.net/letter_avatar/j_e_f_f/32/5_5575768a8748004e209b776fc1b2916d.png) [@j\_e\_f\_f](https://forum.leasehackr.com/u/j_e_f_f)\ **Post date:** [October 1, 2025, 10:43am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/2 "2025-10-01T10:43:44Z")
> [@eriefishpimp](#): > > So it raises the question is these true or dealers just trying to collect on the financing on the backside. I’m guessing it’s more that many dealers just make stuff up and don’t have a clue about the specific one-pay terms rather than any nefarious plan to try and steer you to another bank. I’m not aware of any mainstream leasing bank that keeps all of your one-pay amount in the event of a total loss. If that were the case then no one would do one-pays. ---
**Author:** ![BYGFEET](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/bygfeet/32/14026_2.png) [@BYGFEET](https://forum.leasehackr.com/u/BYGFEET)\ **Post date:** [October 1, 2025, 10:44am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/3 "2025-10-01T10:44:30Z")
ONE PAY=FINE-they will prorate and return the rest DOWN PAYMENT=BAD-you lose all of the down payment Edit: BTW-You would’ve save a lot $$$ with a ONE PAY instead of the monthly FYI ---
**Author:** ![max\_g](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/max_g/32/9426_2.png) [@max\_g](https://forum.leasehackr.com/u/max_g)\ **Post date:** [October 1, 2025, 11:51am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/4 "2025-10-01T11:51:57Z")
> [@j\_e\_f\_f](#): > > I’m not aware of any mainstream leasing bank that keeps all of your one-pay amount in the event of a total loss. If that were the case then no one would do one-pays. Only Porsche Finance AFAIK ---
**Author:** ![Zenek](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/zenek/32/204361_2.png) [@Zenek](https://forum.leasehackr.com/u/Zenek)\ **Post date:** [October 1, 2025, 11:58am UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/5 "2025-10-01T11:58:06Z")
And HMFS iirc 10char ---
**Author:** ![djrabbi](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/djrabbi/32/204656_2.png) [@djrabbi](https://forum.leasehackr.com/u/djrabbi)\ **Post date:** [October 1, 2025, 12:13pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/6 "2025-10-01T12:13:13Z")
This guy knows. All correct besides few banks ---
**Author:** ![delta737h](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/delta737h/32/11316_2.png) [@delta737h](https://forum.leasehackr.com/u/delta737h)\ **Post date:** [October 1, 2025, 12:16pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/7 "2025-10-01T12:16:06Z")
> [@eriefishpimp](#): > > Theory was if you happen to total the vehicle you are out all that money. Not necessarily true. Read the early termination section pertaining to total loss in your lease agreement. Also, you may find this useful… [Single Payment Adjusted Lease Balance Calculations, Optimality, and Purchase Option.pdf](https://forum.leasehackr.com/uploads/short-url/4EEWwxPt9bLrXCgKzbBRSRwuPTS.pdf) (948.7 KB) ---
**Author:** ![max\_g](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/max_g/32/9426_2.png) [@max\_g](https://forum.leasehackr.com/u/max_g)\ **Post date:** [October 1, 2025, 12:59pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/8 "2025-10-01T12:59:42Z")
> [@BYGFEET](#): > > DOWN PAYMENT=BAD-you lose all of the down payment Incorrect. It depends on the delta between Payoff and ACV ---
**Author:** ![djrabbi](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/djrabbi/32/204656_2.png) [@djrabbi](https://forum.leasehackr.com/u/djrabbi)\ **Post date:** [October 1, 2025, 1:51pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/9 "2025-10-01T13:51:48Z")
Yes but most of the time car is upside down. Man I miss COVID lol ---
**Author:** ![trism](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/trism/32/26973_2.png) [@trism](https://forum.leasehackr.com/u/trism)\ **Post date:** [October 1, 2025, 2:38pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/10 "2025-10-01T14:38:58Z")
> [@One-Pay Leases | General Questions and Discussion](https://forum.leasehackr.com/t/one-pay-leases-general-questions-and-discussion/527619): > > Here’s a consolidated spot for general one-pay lease questions and observations. > [@One-Pay Leases | General Questions and Discussion](https://forum.leasehackr.com/t/one-pay-leases-general-questions-and-discussion/527619/28): > > GMF one-pay lease loss language ---
**Author:** ![paranoidgarliclover](https://leasehackr.b-cdn.net/letter_avatar/paranoidgarliclover/32/5_5575768a8748004e209b776fc1b2916d.png) [@paranoidgarliclover](https://forum.leasehackr.com/u/paranoidgarliclover)\ **Post date:** [October 1, 2025, 4:33pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/11 "2025-10-01T16:33:31Z")
@trism: do you want your linked post to be in the Wiki section? Seems more appropriate there than in Off-Ramp. ---
**Author:** ![trism](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/trism/32/26973_2.png) [@trism](https://forum.leasehackr.com/u/trism)\ **Post date:** [October 1, 2025, 10:10pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/12 "2025-10-01T22:10:36Z")
Sure, if you think that makes more sense. ---
**Author:** ![paranoidgarliclover](https://leasehackr.b-cdn.net/letter_avatar/paranoidgarliclover/32/5_5575768a8748004e209b776fc1b2916d.png) [@paranoidgarliclover](https://forum.leasehackr.com/u/paranoidgarliclover)\ **Post date:** [October 1, 2025, 10:35pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/13 "2025-10-01T22:35:17Z")
Okay, I’ll discuss w/ the other community moderators. ---
**Author:** ![system](https://leasehackr-assets.b-cdn.net/original/3X/f/7/f76e5433b417879e07ad6f0cee47e239c8f1cdd4.png) [@system](https://forum.leasehackr.com/u/system)\ **Post date:** [November 30, 2025, 10:35pm UTC](https://forum.leasehackr.com/t/one-pay-question-if-vehicle-totaled/719608/14 "2025-11-30T22:35:33Z")
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