Bank-by-bank
What banks are reported to allow
Background only. Your lease agreement is what counts — the posting form asks every poster to read its transfer section and say what it says, and every listing shows that. This page is what's been published or reported about each bank, so you know what to expect before you call. It is not a substitute for reading the contract or calling the bank.
What the taker will need
The steps are nearly identical at every bank that allows transfers. Plan on three to five weeks from first call to keys.
The taker applies directly with the bank — same check as a new lease. Most want a score in the high 600s or better and proof of income.
GM Financial publishes $625; the others are reported from $0 (Nissan) to about $500 (BMW). The two of you decide who pays; put it in the listing so there's no surprise.
The taker needs full coverage with the bank as loss payee before the car is registered to them (GM says so on its fact sheet; Ford is reported to require it before finalizing). Get quotes early — it's the step that most often stalls.
GM Financial and others require the car to be registered in the taker's state. A Lakewood-to-Monsey transfer crosses a state line — check first.
GM requires at least 6 months left (published). Toyota/Lexus are reported to skip the first 60 days and last 6 months, Nissan the last 7 months. If you're close to the end, list now.
Ask the bank, in writing, whether the original lessee is released. At Nissan and Infiniti you are not — you stay on as guarantor, in NMAC's own words.
Every bank
Tap a bank to see fees, timing, liability, a phone number — and where each fact comes from. Confirmed on the bank's site means the bank says so in its own words (linked). Reported means lease-transfer marketplaces say so and the bank publishes nothing; treat it as a lead and call. Dollar amounts marked "Reported" are not published by the bank.
Last checked . Every phone number was verified against the bank's own contact page on that date. Where a bank publishes its policy we quote it and link it; where it doesn't, we say "reported" and name the kind of source. Banks change these rules without much notice — always confirm with the bank before you agree to anything, and tell us if you learn a policy has changed.