A premium exit for financed and leased vehicles.

Cede is a nationwide subject-to vehicle acquisition service built for drivers who need a clean, dignified way out of a financed or leased car. Whether you are behind on payments, relocating, upgrading, or simply ready to move on, Cede takes over the responsibility for your vehicle and the paperwork that comes with it, so you can hand off the keys and the loan in one seamless transaction.

We built Cede for everyday owners who feel stuck between an unwanted monthly payment and the complexity of selling a car they do not fully own. Traditional private sales and dealer trades rarely account for the lender, the lien, the title, and the insurance details that make a financed vehicle hard to exit. Cede was created to close that gap, pairing automated intake and pre-screening with a human-reviewed closing process that handles lender verification, document preparation, title transfer, insurance assignment, and vehicle handoff end to end.

Cede is built and operated by a small team focused on acquisition operations, compliance, and a premium client experience. Every submission moves through an automated review that evaluates the vehicle, the financing, the payoff, and the cure economics, then surfaces a transparent offer for human approval. Nothing is sent or signed without a person reviewing it, and every client can track their deal from submission to closing in their own portal.

Our mission is simple: make leaving a car payment feel less like a problem and more like a service. We assume the payments, handle the paperwork, and take it from here.