A clean exit, engineered end to end.
Cede takes the complexity out of leaving a car loan or lease. Here's exactly what happens from the moment you submit.
Submit your vehicle
Tell us about your car — year, make, model, mileage, and condition. Share whether it's financed or leased, and the basic loan or lease details. It takes about five minutes.
Upload your paperwork
Securely upload your vehicle registration, the original loan or lease contract, a recent payoff letter from your lender, your driver's license, and a few photos. Everything is encrypted and stored privately.
We review & verify
Our acquisitions team contacts your lender to confirm the payoff amount and assumability, reviews your contract for transfer terms, and arranges a vehicle inspection. We handle the back-and-forth so you don't have to.
Receive your offer
We present clear terms — whether we assume your remaining payments, take over your lease, or purchase the vehicle outright. No obligation. Review the offer and decide in your own time.
Close & hand off
Once you accept, we coordinate the title transfer at the DMV, arrange insurance, and finalize the lender paperwork. You hand over the keys and walk away — the obligation is behind you.