Can I set up my payment to automatically come out of my checking account?

Yes. This is a great way to ensure your payment is always received on time. Please complete the Lease AutoPay Form and return with a copy of a voided check to:

U.S. Bank – Lease Operations
Consumer Maintenance – MK-WI-FCMT
P.O. Box 2188
Oshkosh, WI 54902

Or Fax to: 920-237-8867

Can I change my due date?

You may change your due date one time during the life of the lease. However, there is a $50 fee to do this. Please call 800-USBANKS to initiate this request.

How can I make my payments?

You can make your payments four different ways:

  1. Mail your payment to:
    • U.S. Bank
    • P.O. Box 790117
    • Saint Louis, MO 63179-0117
  2. Make your payment online at
  3. Make your payment over the phone at 800-USBANKS (with a U.S. Bank deposit account) or 800-374-6460 (with a non-U.S. Bank deposit account)
    Note: You will need your lease account number, your bank routing number and your checking account number to complete the payment.
  4. Set up Automatic Payments.
I logged on to to make my lease payment, but it is showing $0 due at this time. Is this correct?

Payments do not show due until the actual due date; however, you may make a payment prior to the due date.

Why is my payment amount different than normal?

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

  • Change in sales/use tax
  • Personal property taxes have been assessed
  • We paid a citation or other fee for you

Please call 800-USBANKS to have a lease consultant review your account for further details.

There is a charge for personal property tax on my bill. What is this for?

This is a tax that 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 have additional questions, please call 800-USBANKS to have a lease consultant review your account.

I'm nearing the end of my lease term. What are my options?

One of our lease consultants should be in contact with you. They will discuss the following options with you:

  • Return the vehicle to your dealership
  • Purchase the vehicle. U.S. Bank financing is available for those who qualify
  • Trade the vehicle in on the purchase of a new vehicle at the dealership
Can I buy the vehicle before the end of the lease?

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 3rd party sales (to friends, family members, etc.) The vehicle may be traded in to a dealer as part of a purchase or lease of a new vehicle. The dealer must call us directly for payoff information.

Can I trade the vehicle in to a dealership for the purchase or lease of a new vehicle?

Yes. You may be able to trade your vehicle in. The dealer must call us for payoff information.

Can I return the leased vehicle early?

Yes. You can, but there could be large penalties for doing so. The actual charge will depend on when the lease is terminated. Please refer to your lease agreement for specifics on your lease. See Returning a Leased Vehicle Early for full details.

Should I have the vehicle inspected prior to returning it?

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 have the opportunity to 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 these items 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 as they may be requested.

What charges can I expect to see on my final bill?

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.

What excess wear and use may I be charged for?

In general, the vehicle should be returned in the same condition it was in at lease inception. Some minor wear is usually acceptable. Please refer to your contract or your Guide to Your End of Lease Options for more detailed information.

What is an odometer statement and where can I get one?

You must complete a Federal Odometer Statement when you return, purchase or trade the vehicle. This is required by the federal government to verify mileage. Please complete the form entirely with the current mileage, current date and signature to ensure no delay in processing.

I have made all of my monthly lease payments. Why did I receive a billing statement showing I owe another monthly payment?

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.

I plan on returning the vehicle at the end of the lease. What do I need to do?

Below is our Return Checklist to make the process smooth for you:

  1. Contact us at 866-250-3147 to discuss return time and location.
  2. Have free inspection completed by the independent inspection company.
  3. Contact your dealership to make arrangements to drop off the vehicle.
  4. Upon vehicle return, complete all end of term paperwork, including a Federal Odometer Statement and any other documents your state may require. These documents can be obtained at the dealership or we can provide them at your request. You should retain copies of these for your records.
    • Please return by fax to 716-616-5764 or mail to:
    • U.S. Bank
    • P.O. Box 068
    • Buffalo, NY 12420-0068
  5. Contact us at 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.

A final statement will be sent to you a few weeks after the vehicle has been returned.

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