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  <title>Keys or Keep</title>
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  <copyright>© 2026 Champion Auto Finance</copyright>
  <description><![CDATA[Keys or Keep takes real-world lease-end questions and works through the one decision that matters: hand back the keys, or keep the car. Each episode Joe, Managing Director at Champion Auto Finance, walks through the numbers, the process and the reasoning behind a lease buyout. Champion Auto Finance is a NJ DOBI-licensed financing partner, not a lender, coordinating lease buyout financing for drivers nationwide. Approvals and terms are subject to lender underwriting. Nothing on this site or in these episodes is legal, tax or financial advice. Episodes are written with AI assistance, reviewed by the Champion Auto Finance team, and voiced with an AI model of Joe's voice. Listener questions are composites based on the kinds of questions people ask us; names and details are changed.]]></description>
  <lastBuildDate>Mon, 12 Oct 2026 20:00:16 +0000</lastBuildDate>
  <pubDate>Mon, 12 Oct 2026 06:00:00 -0400</pubDate>
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  <itunes:author>Champion Auto Finance</itunes:author>
  <itunes:subtitle>Lease buyout questions, answered.</itunes:subtitle>
  <itunes:summary>Keys or Keep takes real-world lease-end questions and works through the one decision that matters: hand back the keys, or keep the car. Each episode Joe, Managing Director at Champion Auto Finance, walks through the numbers, the process and the reasoning behind a lease buyout.</itunes:summary>
  <itunes:owner><itunes:name>Champion Auto Finance</itunes:name><itunes:email>info@championautofinance.com</itunes:email></itunes:owner>
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    <title>Low Miles in Queens, High Miles in Houston, and Who Can Buy Your Lease</title>
    <link>https://leaseendlive.com/keys-or-keep/low-miles-high-miles-who-can-buy-your-lease/</link>
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    <pubDate>Mon, 12 Oct 2026 06:00:00 -0400</pubDate>
    <description><![CDATA[<p>Three listener-style questions: a low-mileage lease that may be worth more than its buyout, a commuter 9,000 miles over, and whether you can buy your lease through your own lender.</p><p>Key takeaways:</p><ul><li>Low miles can mean your car is worth more than its buyout price, and most leases don't pay you back for unused miles.</li><li>Over your miles? Buying usually avoids the mileage charge, but compare the payoff with what the car is worth first.</li><li>Whether you can buy directly or use your own lender depends on the leasing company, so ask them, not the dealer.</li><li>Buying usually means sales tax on the purchase, and rules vary by state.</li></ul><p>Read more:</p><ul><li><a href="https://championautofinance.com/lease-buyout-with-positive-equity/">Lease buyout with positive equity</a></li></ul><p>Transcript: <a href="https://leaseendlive.com/keys-or-keep/low-miles-high-miles-who-can-buy-your-lease/">https://leaseendlive.com/keys-or-keep/low-miles-high-miles-who-can-buy-your-lease/</a></p><p>Champion Auto Finance is a NJ DOBI-licensed financing partner, not a lender, coordinating lease buyout financing for drivers nationwide. Approvals and terms are subject to lender underwriting. Nothing on this site or in these episodes is legal, tax or financial advice.</p><p>Episodes are written with AI assistance, reviewed by the Champion Auto Finance team, and voiced with an AI model of Joe's voice. Listener questions are composites based on the kinds of questions people ask us; names and details are changed.</p>]]></description>
    <content:encoded><![CDATA[<p>Three listener-style questions: a low-mileage lease that may be worth more than its buyout, a commuter 9,000 miles over, and whether you can buy your lease through your own lender.</p><p>Key takeaways:</p><ul><li>Low miles can mean your car is worth more than its buyout price, and most leases don't pay you back for unused miles.</li><li>Over your miles? Buying usually avoids the mileage charge, but compare the payoff with what the car is worth first.</li><li>Whether you can buy directly or use your own lender depends on the leasing company, so ask them, not the dealer.</li><li>Buying usually means sales tax on the purchase, and rules vary by state.</li></ul><p>Read more:</p><ul><li><a href="https://championautofinance.com/lease-buyout-with-positive-equity/">Lease buyout with positive equity</a></li></ul><p>Transcript: <a href="https://leaseendlive.com/keys-or-keep/low-miles-high-miles-who-can-buy-your-lease/">https://leaseendlive.com/keys-or-keep/low-miles-high-miles-who-can-buy-your-lease/</a></p><p>Champion Auto Finance is a NJ DOBI-licensed financing partner, not a lender, coordinating lease buyout financing for drivers nationwide. Approvals and terms are subject to lender underwriting. Nothing on this site or in these episodes is legal, tax or financial advice.</p><p>Episodes are written with AI assistance, reviewed by the Champion Auto Finance team, and voiced with an AI model of Joe's voice. Listener questions are composites based on the kinds of questions people ask us; names and details are changed.</p>]]></content:encoded>
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    <itunes:title>Low Miles in Queens, High Miles in Houston, and Who Can Buy Your Lease</itunes:title>
    <itunes:episode>1</itunes:episode>
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    <itunes:duration>389</itunes:duration>
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    <itunes:summary>Three listener-style questions: a low-mileage lease that may be worth more than its buyout, a commuter 9,000 miles over, and whether you can buy your lease through your own lender.</itunes:summary>
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