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Contact your financial institution if you:
- Have questions about your payment.
- Want a payoff quote.
- Are planning to move.
- Change insurance coverage or carriers.
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CULA is the lessor and the owner of your vehicle. The financial institution is the lender of your vehicle.
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Contact CULA if your:
- Vehicle is in an accident.
- Vehicle was stolen.
- Lease is near lease end.
Otherwise contact your financial institution.
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Contact your financial institution. CULA does not have any financial information on your lease.
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It is important that you get everything finished before your lease termination date. You should start planning at least 3 months in advance of your termination date. Following are your options:
- Trade – You are trading your leased vehicle for another at the dealership and the dealership is paying off your current lease.
- Contact your Dealer and get documentation for your trade.
- Follow-up with your financial institution to ensure your lease was paid off by the dealership.
- Purchase – You are buying your leased vehicle from your financial institution.
- Contact your Financial Institution to obtain your payoff amount.
- Start this process at least 30 days before termination date.
- There is a purchase option fee in your contract. This will be rolled into your final payoff amount. Contact CULA if you need help finding this amount.
- You will have no mileage penalties or wear and tear charges.
- Return - You are returning your vehicle.
- Contact CULA at least 3 weeks before your termination date to schedule required vehicle inspection.
- All payments must be made prior to your termination date.
- There is a disposition fee included in your contract. This needs to be paid at lease end. Contact CULA if you need help finding this amount.
- When you are finished driving the vehicle, CULA can pick up the car at your home. Before arranging transport, you must be finished driving the car and you will need to provide CULA with the final odometer reading. Transport can take up to 2 weeks; please keep the vehicle in a safe place between the time you are finished driving it and the car is picked up.
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You may cancel your insurance coverage once CULA has accepted delivery of the vehicle. Please note that CULA cannot accept delivery until all required lease payments have been made to the financial institution.
If you or a dealer purchases the vehicle, you may cancel your insurance coverage after ownership has transferred and the title has been updated.
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This is dependent on your Financial Institution and your termination date. A lease extension can only be requested within 90 days of your scheduled termination date. For more information, contact CULA.
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You may replace your tires with a different brand than the ones originally installed on the vehicle when you began your lease. However, all four tires must be of the same brand and type. If the vehicle has mismatched tires at lease end, you may be charged a fee. This condition will be documented in your lease-end inspection report.
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Contact CULA and request a "Personalized Plate, Lessor Consent" letter. This will authorize you to have personalized plates.
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Your leased vehicle may not be taken to Mexico under any circumstances, including with the purchase of additional insurance coverage. The vehicle may only be taken to Canada with prior written authorization from CULA and the appropriate insurance coverage in place.
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Contact CULA to find to find out if your financial institution allows this. If allowed, a customer service representative will provide you the next steps.
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All vehicles must be registered in the state where CULA will take possession of the vehicle. If you need the vehicle picked up from a different state, please contact CULA to determine whether special pickup arrangements can be made.
Be prepared to provide the following information:
- Are the vehicle’s license plates current or expired?
- If the plates are expired, are there any outstanding fees owed?
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The disposition fee and purchase option fee cannot be waived as they are contractual fees that are agreed upon at signing.
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No. You can go to any dealer to purchase or trade in the vehicle.
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The vehicle warranty is separate from any lease extension. Warranties typically have a specific expiration date and/or mileage limit, which may not align with your lease termination date. Coverage expires when the stated expiration date is reached or the vehicle reaches the specified mileage limit, whichever occurs first.
To confirm when your warranty coverage ends, please contact the dealership where you leased the vehicle.
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CULA will email or call you with the inspection results. If your email address or phone number have changed since your lease started, please contact CULA with the updated information.
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You will need to look up the Lemon Law requirements in your state to see if you qualify. Your state website will usually have details.
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Contact your financial institution. A representative will be able to tell you options for making payments.
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You may pay by plate online, over the phone, or by mailing a check or money order along with the payment coupon directly to the billing entity.
CULA does not accept payments for these charges. Please note that the vehicle is registered to CULA (Credit Union Leasing Corporation of America). When submitting payment or searching for payment options, be sure to enter the owner information exactly as it appears on the vehicle registration.
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Please return the signed letter to CULA by email using the address provided above, as this is the quickest and preferred method. You may also return the signed letter by postal mail or fax.
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Contact your financial institution. A representative will be able to tell you how to make electronic payments.
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Contact your financial institution. They have the most recent information.
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To ensure your lease is extended before its scheduled termination date, the extension letter must be signed and returned as soon as possible. If the signed letter is not received within 10 days, the extension request will be canceled. After an extension is requested, CULA will make up to three (3) attempts to obtain the signed letter. It is the lessee's responsibility to confirm that the signed extension letter has been received and that the lease extension has been processed.
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Contact CULA with the following information:
- Your first and last name
- Lease Number
- Your phone number and email address
CULA will contact your financial institution to find out if you are eligible for the SCRA program. A customer service representative will contact you with information on what to do next.
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Please contact your credit union or financial institution before moving. Not every state is licensed to offer CULA leases, and moving to a new tax jurisdiction - even within the same state - may impact your lease terms or tax obligations.
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It is possible that the registration still lists CULA as the registered owner of the vehicle. If so, you will need to cancel the registration.
To cancel the registration online, you will need the CULA FID#: 330387216. Once the registration has been canceled, please send a copy of the registration cancellation receipt or updated registration to processing@cula.com.
If you have already transferred the registration, the charge may be related to an occurrence date that was before your lease termination date, or the billing entity may be delayed in processing the bill. If the charge relates to a period when the vehicle was still registered to CULA, you are still responsible for submitting payment directly to the billing entity.
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Pay the bill directly to the billing entity on or before the due date to avoid additional fees.
All tickets, tolls, and violations are the contractual responsibility of the lessee.
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It is your responsibility to retain your plates upon turn in and return them to the Arkansas Department of Finance and Administration. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your responsibility to cancel your plates upon turn in. You can do this by going to the Connecticut Department of Motor Vehicles website, select "Cancel your registration and plates", then select "Click here" for organizations. Because this is a leased vehicle, the CT SOS number you will enter is 2355175. Once you cancel the plates, you will be given a plate cancellation receipt that must be sent to CULA. Email your plate return receipt to processing@cula.com or send via postal mail to the address below. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual excise/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle. Any outstanding amounts must be paid in order to end your lease. You will receive a final tax bill which you must pay after the lease has been terminated for the portion of the previous year that you had possession of the vehicle.
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As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual excise/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle. Any outstanding amounts must be paid in order to end your lease. You will receive a final tax bill which you must pay after the lease has been terminated for the portion of the previous year that you had possession of the vehicle.
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It is your responsibility to retain your plates upon turn in and return them to the county clerk's office and cancel the record to avoid unwanted property taxes from accruing. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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Cancel your registration/plates (if not previously cancelled), pay the bill, and wait for the refund. In order to cancel the plates online, you will need CULA FID#: 330387216.
Send a copy of the cancellation receipt to processing@cula.com and CULA will file an abatement for you. You do not have to return the plates to the Massachusetts Registry of Motor Vehicles (RMV), just bend and discard.
If you transferred the plates to another vehicle, send a copy of the new registration to processing@cula.com.
When you contact CULA, include your home address. We need to know where to send refunds in case you are eligible to receive a partial refund on previously paid excise tax.
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Pay the bill that you have in your possession and you, or your insurance company can contact the Massachusetts Registry of Motor Vehicles (RMV) and change the “Garaging” code. You will receive a bill from the correct town for the remainder of the lease.
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It is your responsibility to cancel your plates upon turn in. You can do this by going to the Registry of Motor Vehicle website, click on “Online Service Center” then click “Cancel My Registration”. Because this is a leased vehicle, the MA FID number you will enter is 330387216. Once you cancel the plates, you will be given a plate return receipt that must be sent to us so we may file for your excise tax abatement, if applicable. Email your plate return receipt to processing@cula.com or send via postal mail to the address below. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual excise/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your contractual obligation to pay the excise tax for your leased vehicle. Pay the excise tax directly to the town that issued the bill. When CULA receives an excise tax bill, the bill will be forwarded to you.
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It is your responsibility to retain your plates upon turn in and return them to the county tax collector. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/ad valorem taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
Answer:
As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/ad valorem taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your responsibility to retain your plates upon turn in and return them to the County Treasurer. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your responsibility to retain your plates upon turn in and return them to the Division of Motor Vehicles. You will be given a plate cancellation receipt that must be sent to CULA. Email your plate return receipt to processing@cula.com or send via postal mail to the address below. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual excise/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle. Any outstanding amounts must be paid in order to end your lease. You will receive a final tax bill which you must pay after the lease has been terminated for the portion of the previous year that you had possession of the vehicle.
Answer:
As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual excise/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle. Any outstanding amounts must be paid in order to end your lease. You will receive a final tax bill which you must pay after the lease has been terminated for the portion of the previous year that you had possession of the vehicle.
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It is your responsibility to retain your plates upon turn in and return them to the Texas Department of Motor Vehicles. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
Answer:
As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your responsibility to retain your plates upon turn in and return them to the Utah Department of Public Safety. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
Answer:
As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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It is your responsibility to retain your plates upon turn in and return them to the Virginia Department of Motor Vehicles. As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
Answer:
As outlined in your lease agreement, it is your responsibility as the lessee to pay the annual property/use taxes assessed by any governmental authorities in connection with this lease and/or vehicle, even if received after you have returned your vehicle. Any outstanding amounts must be paid in order to end your lease.
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If you are purchasing a vehicle from a dealership when you turn in your leased vehicle, this transaction is considered a trade. The title will be provided by your financial institution, as they are the lienholder on the vehicle.
You cannot sell your leased vehicle directly to a third party, such as Carvana or CarMax, unless you first purchase the vehicle. Once the vehicle purchase has been completed and ownership has transferred, you may sell the vehicle to any party.
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CULA can sign the odometer disclosure statement after the purchased vehicle has been terminated.
If your vehicle has been terminated, email a completed Odometer Disclosure Statement along with a picture of the odometer.
CULA will email you back a signed odometer disclosure statement.
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If the vehicle requires repairs, please send all repair orders and invoices to turnin@cula.com.
If aftermarket parts are needed because original equipment manufacturer (OEM) parts are unavailable, please contact CULA in advance to notify us. Aftermarket paint is not permitted; any paint repairs must use the manufacturer's approved paint.
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Unfortunately, mileage overage and applicable penalty charges cannot be waived. These charges are outlined in your lease agreement and are the lessee’s responsibility as specified in the contract terms.
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Yes, an inspection is required if YOU are not purchasing the vehicle. If you plan to drop off your vehicle at a dealer, a CULA inspection is required prior to dropping off.
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Contact your financial institution to get a copy of the Bill of Sale. If you have a Bill of Sale from your financial institution and your DMV will not accept it, contact CULA via email or phone to request a Bill of Sale that your DMV will accept.
CULA will need the following information:
- Your first and last name
- Lease Number
- Your phone number and email address.
- The state where you are submitting the Bill of Sale.
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You may renew your vehicle registration by visiting your local Motor Vehicle office or completing the renewal online. If you are a AAA member, you may also be able to process your registration renewal through AAA.
All registration-related responsibilities and requirements are the contractual responsibility of the lessee.
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Email CULA at turnin@cula.com with the following:
- Name of the body shop
- Phone number of body shop
- Best phone number to reach you
- Repair receipt that shows estimated time of completion
- What damage you are having repaired.
CULA will send an email on your behalf to your financial institution advising them the car is in the shop. Either CULA or your financial institution will follow up.
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Please contact CULA and provide the following information:
- Your name, phone number, email address, and your relationship to the lessee
- The current location of the vehicle
- Whether the remaining lease payments will be made and your intentions for the vehicle
- A copy of the death certificate
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Before ending your lease, any annual excise, property, or use taxes assessed by your state must be paid. If you originated your lease in, or moved to, a state that imposes these taxes, you are responsible for paying them. Any outstanding tax balances must be satisfied before your lease can be completed. If you receive a final tax bill after your lease has ended for a period during which you had possession of the vehicle, you remain responsible for paying that bill.
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You are only responsible for the months in which the extension was used. You will not be responsible for any unused months.
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The title process depends on the option you choose at the end of your lease. Your financial institution owns the vehicle and holds the title.
- If you return the vehicle: CULA will request the title from your financial institution to complete the vehicle return process.
- If you purchase the vehicle: Your financial institution will provide the title after the purchase is completed.
- If you trade in the vehicle at a dealership: Your financial institution will provide the title directly to the dealer once the dealer submits the required request.
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Contact CULA immediately by email at claims@cula.com or by phone. GAP coverage is included with your lease program, and we will work with your insurance carrier to help maximize your claim benefits. Failure to notify CULA before authorizing or completing vehicle repairs may result in additional costs or reduced claim benefits for which you may be responsible.
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Your financial institution will be sending you the following documents for purchase:
- Bill of Sale
- Original Title
- Power of Attorney authorizing your financial institution to act on behalf of CULA.
To complete the transfer of registration/ownership of the vehicle from CULA to your name, please bring these documents to your Registry of Motor Vehicles, DMV office, town hall, or local tag office immediately to be processed.
Most states require the transfer of registration/ownership to be done within a specific period. Please check with your local Registry of Motor Vehicles, DMV office, town hall, or local tag office to confirm the time frame.
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Contact your financial institution for information about making payments.
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Contact your financial institution to request the title. As the lienholder of your leased vehicle, your financial institution is responsible for the title.
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LTS Insurance Tracking is CULA's third-party insurance tracking provider and is responsible for verifying that all leased vehicles maintain the required insurance coverage. You may receive correspondence from LTS requesting proof of insurance.
Please submit your insurance information to LTS using one of the following methods:
- Email: CULA@LTSINC.COM
- Mail: Insurance Service Center, P.O. Box 5975, Timonium, MD 21094
- Fax: (267) 295-6099
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As the lessee, you are responsible for all dealer recommended maintenance as well as any repairs beyond normal wear and tear. Your lease contract has additional details.
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As the lessee, you are responsible for taxes and other government fees (i.e. parking tickets, registration, excise tax, etc.)
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For tolls and parking citations, the initial notice CULA receives is often already considered delinquent and may include additional late fees or penalties.
CULA is unable to waive, reduce, or reimburse any fees or penalties assessed by the issuing authority or billing entity.
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Vehicle pickup typically takes 10–14 business days to complete. If it has been more than 14 business days since you submitted your pickup request, please contact CULA for a status update.