Affected by the coronavirus pandemic? Read about our COVID-19 financial relief efforts, including mortgage assistance and auto loan assistance programs.
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Auto Loans
Ready to help – loan and lease assistance programs
If COVID-19 has affected your ability to pay or manage your auto, boat or RV loan or lease, we may be able to help.
Assistance for existing auto, boat and RV loans
If you've been financially affected by COVID-19, you may be eligible for a loan extension. Log in to your account to request an extension.
You can also start the loan assistance process by texting us. We’ll gather some information and see which plan could work best for you.
Text “loan help” to 866-809-4182.
Assistance for auto leases
If you've been financially affected by COVID-19, you may be eligible for a lease deferral. Log in to your account to request a deferral.
You can also start the lease assistance process by texting us. We’ll gather some information and see which plan could work best for you.
Text “lease help” to 866-809-4182.
General auto lease questions
You have several options available to you based on your individual needs. To discuss your options, call 800-USBANKS (872-2657).
We do report missed payment to the credit bureaus, so work with us to discuss payment options. We understand your credit rating is important to you and we’re ready to discuss alternatives.
Auto lease end-of-term (EOT) inspection
You are not required to have an inspection before returning your vehicle. U.S. Bank will arrange for a final inspection with an independent inspection company upon vehicle return. We’ll let you know the inspector’s assessment of your vehicle’s condition.
We understand, you may feel more comfortable having a pre-inspection even if it is not required. Having one can help you determine your potential liability. If you want a pre-inspection and cannot get one at your home due to the pandemic, you may, if you wish, extend your lease up to six months, or call us to discuss alternative options.
A pre-inspection is helpful to determine your potential liability at the end of your lease, but it’s not required. U.S. Bank will arrange for a final inspection with an independent inspection company when you return the vehicle. We’ll let you know the inspector’s assessment of your vehicle’s condition.
To learn more about the return process, refer to your lease agreement. You may also review the U.S. Bank lease return brochure you recently received. It explains the return process as it relates to the condition of your vehicle.
Dealership closures
The lease agreement doesn’t require you to return the vehicle to the originating dealer. If other dealerships are open for business in your area, you’re welcome to return your vehicle to one of them. However, you must call them first and make sure they are willing to accept the vehicle.
Do not return a vehicle to a dealership that is not open for business. You will be responsible for any damages that may occur to the vehicle. If other dealerships are not open for business in your area, please call us so we can arrange its transport.
No. If your lease has reached maturity but you’re unable to safely return the vehicle due to the COVID-19 pandemic, you will not be charged to hold it at your home.
Assuming you’ve made all of the required payments, you’ll only be charged the standard end-of-term (EOT) fees when you’re able to safely return the vehicle. These fees are outlined in your lease agreement. They vary by state but include excess wear and tear and excess mileage.
Please let us know if you need to keep your vehicle past lease maturity. Be sure to keep your insurance coverage on the vehicle as long as it’s in your possession.
End-of-term (EOT) auto lease extensions
Given current circumstances, U.S. Bank is allowing customers a secondary extension. You’ll continue making your monthly payment and we’ll extend your monthly mileage allotment for each additional month.
Need additional assistance?
If you have any questions, call 800-USBANKS (872-2657). We are currently experiencing higher than normal wait times.
