KY

Never miss a payment for your auto lease.

Your payment due date will be listed on your lease agreement. If you do not receive your welcome kit with your lease account number to set up your first payment, give us a call at 800-USBANKS (872-2657).

Online

To make a one-time payment or to set up autopay, and select Bill payments from your dashboard. If you use the KY Mobile App, select Pay bills & transfer.

Mail

Payments can be mailed monthly to:

KY
PO Box 790117
St. Louis, MO 63179-0117

Phone

Have your lease account, bank routing and checking account numbers ready and give us a call:

Understand your lease agreement.

Take some time to familiarize yourself with your lease agreement so you can avoid surprises. It provides key information, like how many miles you can drive per year and what constitutes normal wear and tear. Exceeding these guidelines could add unexpected costs to the end of your lease term.

View end of lease brochure

Prepare for the end of your auto lease.

As you near the end of your lease, a lease consultant will contact you to discuss your options.

  • Return the vehicle to your dealership.
  • Purchase the vehicle. (KY financing may be available.)1,2
  • Trade in the vehicle to purchase or lease a new vehicle at the dealership.1,2

An important form you’ll need is an odometer statement. This is required by the federal government to verify mileage when you return, purchase or trade the vehicle.

Download the odometer statement

12 months from lease maturity

You’ll have a few options at the end of your lease. Now’s the time to start thinking about purchasing, trading in or returning your leased vehicle.

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6 months from lease maturity

The end of your lease will be here before you know it. Learn about key information including the free return inspection and what to know about vehicle wear and tear.

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3 months from lease maturity

Let’s walk through important details to prepare you for the end of your term whether you’ve decided to purchase, return or trade in the vehicle.

View transcript

Here are answers to a few auto leasing questions you may have.

General auto lease servicing

Here are some steps to help you enroll in our online and mobile banking services.

Online banking:

  • Go to the.
  • Identify your account as Personal, and selectI have a different account.
  • SelectMortgage, installment loan or lease, and provide your account number, last 4 digits of your Social Security number and ZIP code.
  • Set up your username and password.
  • Enter your email address and selectContinueto set up your ID Shield questions.
  • SelectFinish, and you’re all set.

Mobile banking:

  • Go to the Get the Mobile Apppage.
  • Download the KY Mobile App from your app store..
  • Open the app and select Create a username and password on the login screen, then follow the prompts to complete your enrollment. Note: You’ll need your account number to complete the process.

You may change your due date one time during the life of the lease. Call 800-USBANKS (872-2657) to initiate this request.

Yes. If you would like to select a date or amount that is different than your due date or principal payment, please use our autopay form for consumer leases. Follow the instructions listed at the top of the form.

Payments do not show due until the actual due date, but you may make a payment before the due date.

There are several reasons why your payment amount might be different. Here are some of the most common reasons:

  • Change in sales/use tax
  • Personal property taxes
  • Citation or other fee

Call 800-USBANKS (872-2657) to have a lease consultant review your account for further details.

An excise tax, also referred to as personal property tax, is assessed by your local taxing authorities. As owner of the vehicle, USB Leasing LT is required to remit payments for these taxes on your behalf. The tax payment is passed along to you as the lessee per the Taxes, Registration and Titling section of your contract. This section of the contract states you agree to pay all taxes and charges imposed by a government authority in connection with the lease vehicle.

If you are enrolled in automatic payments, only the base rent of the vehicle plus sales tax (if applicable) will automatically be paid from your account each month. Other fees, such as excise tax, property tax, late fees or tickets will be billed separately. Please follow the directions located on the billing statement you receive to pay by mail.

If you have additional questions, please call 800-USBANKS (872-2657) to have a lease consultant review your account.

Yes. You can return a leased vehicle early but there could be substantial penalties for doing so. The actual charge will depend on when the lease is terminated. Please refer to your lease agreement for specifics, or seeReturning a Leased Vehicle Earlyfor full details.

A “total loss” of the vehicle can occur as a result of a collision, destruction or theft. A total loss is considered an early termination of the lease. The total loss process is as follows:

  1. Your insurance agent will call KY to initiate the claim, providing the date of loss, claim number, and settlement amount.
  2. Your insurance company needs to provide certain state-specific documents. When all appropriate documents are received, we’ll provide a Letter of Guarantee to your insurance agent.
  3. Your insurance agent will send the insurance proceeds to us and we’ll apply them to your account.
  4. If you have maintained the insurance required by your lease contract, we’ll waive any “gap” amount (the difference between the insurance proceeds we receive for the total loss of the vehicle and the amount you still owe on the lease). You are responsible for any overdue lease payments or other amounts past due at the time of loss, along with your insurance deductible. You also must continue to make your scheduled payments until we receive the insurance proceeds.
  5. If you haven’t maintained the required insurance, you will be responsible for the gap amount. See the WAIVER OF GAP AMOUNT section in your lease contract for details.

Note: We will retain any surplus from the insurance proceeds, along with any warranty refunds from early cancelation due to the total loss.

The end of your lease

Before you return the vehicle:

  1. Call 866-250-3147 to discuss return time and location.
  2. Complete a free end-of-lease inspection. We’ll contact you approximately a month before the end of your lease to schedule an appointment.
  3. Contact your dealership to make arrangements to drop off the vehicle.
  4. Remove any items that may contain your personal information such as receipts, registration, insurance cards, GPS locations, etc.
  5. Complete all end-of-term paperwork. You can get these documents from the dealership, or we can provide them at your request. Please mail to:

    6. KY
    CN-OH-L2AS
    5065 Wooster Rd
    Cincinnati, OH 45226

After you return the vehicle:

  1. Call 866-250-3147 to notify us that the vehicle has been returned. We may not consider the vehicle returned until you contact us and return the required documents.
  2. A statement will be mailed after the return of the vehicle that may include amounts still due on the lease account, excess wear and use charges, excess mileage fees, the termination fee and other applicable taxes and charges. Additional statements may be issued after your lease is terminated if any charges such as taxes, citations, etc. are received.
  3. Log in to your account in or KY Mobile App prior to your end-of-term date to cancel any recurring automatic payments. You also call us at 800-USBANKS (872-2657) to expedite the process. Please note that it takes up to three business days to cancel any scheduled payments. If you forget to cancel, that’s okay. We'll do that for you once the vehicle has been successfully returned.

Yes. We will contact you approximately a month before the end of your lease to schedule an appointment. This is offered to you free of charge so you can review any damage you may be charged for upon the return of the vehicle. If the inspection is not completed before the vehicle is returned, subject to any appraisal rights you may have, we will conduct an inspection for excess wear after the vehicle is returned.

No one at the return location is authorized by us to conduct an inspection to determine excess wear and use under your lease. You may choose to have any issues repaired by your dealership or another certified auto body shop before you return the vehicle to avoid any excess wear and use charges. If you complete any repairs, please make sure to keep copies of your receipts in case they are requested.

Yes. You may purchase the leased vehicle at any time during the lease. Please call us at 800-USBANKS (if more than 12 months remaining on the lease) or 866-250-3147 (if less than 12 months remaining) for pricing information. The payoff amount is good for the lessee only. We cannot process third-party sales (to friends, family members, etc.). The vehicle may be traded into a dealer as part of a purchase or lease of a new vehicle. The dealer will need to call us directly for payoff information.

You may choose to purchase or trade your leased vehicle. If you're interested in purchasing the vehicle, call 866-250-3147 for specific pricing information and possible financing options. If you wish to use the vehicle as part of a trade on a new vehicle, the dealer must call us at 866-250-3148 for pricing information. We accept relay calls.

You will receive a final billing statement a few weeks after the vehicle has been returned. This billing statement may include a termination fee, excess mileage charges, excess wear and use charges and any unpaid amounts such as payments, citations, taxes and other miscellaneous charges due.

In general, the vehicle should be returned in the same condition it was in at the beginning of the lease. Some minor wear (such as a few small door dings, chips or scratches) is usually acceptable. Excess wear may include items such as dents, cracks in glass, torn upholstery or poor-quality repairs. Please refer to your contract or your Guide to Your End of Lease Optionsfor more detailed information.

Billing statements are automatically printed 15 days prior to the due date. If you return the vehicle between the statement print date and the maturity date, you do not need to make this payment. However, if the vehicle is not returned by the maturity date, you will be responsible for this payment. Please contact us at 866-250-3147 to have a lease consultant review your account for further clarification.

At the end of the lease, we will cancel any recurring automatic payments once we confirm the vehicle has been returned. However, you can expedite the process by contacting us at 800-USBANKS (872-2657). Please note that it takes three business days to cancel scheduled payments.

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Disclosures

  1. Loans and lines of credit are offered by U.S.Bank National Association. Deposit products are offered by U.S.Bank National Association. Member FDIC.

  2. Offers are subject to credit approval. Rates are subject to change. Additional restrictions may apply. Member FDIC.