Elevate your drive with a new lease
Craving that new car smell again? Leasing your next vehicle with Affinity has never been easier. Get behind the wheel of your dream car today!
Find your next vehicle
We've teamed up with dealerships across the tri-state area to simplify the vehicle shopping experience for our members.
Advantages of a new lease
Drive the latest model
Enjoy cutting-edge features, technology, and design by upgrading to a new or nearly new car.
Hassle-free maintenance
A new vehicle’s warranty can protect you from costly repair bills, lowering your out-of-pocket expenses.
No depreciation concerns
With a new lease, you can enjoy peace of mind knowing you won't have to deal with depreciation or resale value concerns.
Looking to buy instead of lease?
Get pre-approved for an auto loan and secure your rate and loan amount for 45 days—giving you the confidence to shop for your next car, SUV, or truck with ease.
Get StartedYour roadmap to driving a new vehicle
Affinity, together with Credit Union Leasing of America (CULA), makes returning your leased vehicle simple and stress-free. About four months before your lease is up, you’ll receive a letter from CULA with easy-to-follow steps on how to return your car.
Trading in at a dealership?
If you’re getting a new vehicle and the dealership is paying off your current lease, it qualifies as a trade-in.
Here’s what you need to do:
- Complete the end-of-lease checklist
Inform Credit Union Leasing of America (CULA) of your intent to turn in your vehicle by completing the End-of-Lease Checklist or by calling 800.878.5400 - Confirm the payoff amount
Visit the Request Center in Online Banking or the Mobile Banking App to obtain your payoff amount, which includes the remaining payments, residual value, and any outstanding fees. - Verify proper documents with the dealer
Please verify that the dealership includes the required buyer’s order or trade document with the payoff check.
Complete checklist
To start the lease-end process, you will need to complete the end-of-lease checklist, which can be accessed below.
Schedule your pickup
CULA’s transport company will work with you to arrange a convenient pick-up day and time that fits your schedule.
Find your new ride
Explore top dealerships partnered with Affinity for a seamless and exciting car shopping experience!
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.
Have questions? Contact CULA's customer service at 1-800-878-5400 or by email at turnin@cula.com.
For all the resources you need to return your vehicle, please visit CULA's website.
Find answers to common leasing questions
Trading in your vehicle at a dealership?
If you are getting a new vehicle and the dealership is paying off your current lease, this is considered a trade. Here’s what to do:
- Complete the end-of-lease checklist
Inform Credit Union Leasing of America (CULA) of your intent to turn in your vehicle by completing the End-of-Lease Checklist or by calling 800.878.5400 - Confirm the payoff amount
Visit the Request Center in Online Banking or the Mobile Banking App to obtain your payoff amount, which includes the remaining payments, residual value, and any outstanding fees. - Verify proper documents with the dealer
Please verify that the dealership includes the required buyer’s order or trade document with the payoff check.
Turning in your vehicle to the Credit Union Leasing of America?
If the dealership isn't paying off your current lease but you're still getting a new vehicle, this is considered a turn-in. Follow these steps to return your vehicle to CULA:
- Complete the end-of-lease checklist
Inform Credit Union Leasing of America (CULA) of your intent to turn in your vehicle by completing the End-of-Lease Checklist or by calling 800.878.5400 - Complete your lease obligations
Make sure all lease payments are made, and the disposition fee is paid. - Arrange the vehicle inspection and pick-up
Complete the Return Your Vehicle Form to notify CULA that all payments have been made and you would like to begin the turn-in process. CULA will contact you to arrange for the vehicle inspection and pick-up location. If leaving the vehicle at the dealership, the dealer must notify CULA. CULA will contact you with the final inspection results and any excess mileage or wear and tear costs, if applicable.
The dealer is paying my final lease payment(s) or the disposition fee?
The dealer is responsible for notifying CULA that they are paying the remaining lease payments or the disposition fee.
How do I get my inspection results?
Credit Union Leasing of America (CULA) will email or call you with the inspection results.
What are the benefits of getting pre-approved?
Well, it’s free, for one. Getting pre-approved simplifies the process of financing a car and makes it easier to negotiate a better sales price. With pre-approval, you confidently walk into the dealership knowing how much car you can afford, your interest rate, and your loan term.
Plus, your pre-approval from Affinity is valid for 45 days, so you have plenty of time to research vehicles, locate a dealer, and take advantage of no-haggle pricing through our Costco Auto Program.
Can I get pre-approved for a new lease?
Affinity only offers pre-approvals for new or used auto loans. If you are leasing another vehicle, a participating dealer can help you with the terms of a new lease.
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.