Who finances your lease: captive lenders by brand
The finance company on your statement, by brand — not the dealership — and the official domain for each captive.
4 min read
The dealership originates the lease. The captive finance company owns it. Pull-ahead, payoff quotes, gap-waiver questions, and late-fee disputes all go to the name on the statement, not the sales desk.
These names are stable. Honda and Acura share American Honda Finance Corporation. Toyota and Lexus share Toyota Motor Credit Corporation. Hyundai, Kia, and Genesis share Hyundai Capital America even when the consumer brands say Motor Finance or Genesis Finance.
Every row below is the legal or consumer name the OEM or captive uses on its own site as of August 2026.
TLDR Quick Guide
- Honda and Acura: Honda Financial Services / Acura Financial Services — American Honda Finance Corporation.
- Toyota and Lexus: Toyota Financial Services / Lexus Financial Services — Toyota Motor Credit Corporation.
- GM brands: GM Financial. Ford and Lincoln: Ford Credit. BMW: BMW Financial Services NA, LLC.
- Hyundai, Kia, and Genesis: Hyundai Capital America, branded as Hyundai Motor Finance, Kia Finance America, and Genesis Finance.
- Subaru Motors Finance is provided by JPMorgan Chase. Tesla leases through Tesla Finance / Tesla Lease Trust.
Captive finance company by brand
Use this when you need to know who to call. Offers change monthly. These lender names do not.
| Brands | Captive lender | Legal name | Published on |
|---|---|---|---|
| Honda, Acura | Honda Financial Services / Acura Financial Services | American Honda Finance Corporation (AHFC) | hondafinancialservices.com |
| Toyota, Lexus | Toyota Financial Services / Lexus Financial Services | Toyota Motor Credit Corporation (TMCC); leases may be owned by Toyota Lease Trust | toyotafinancial.com |
| Nissan, Infiniti | Nissan Motor Acceptance Company (NMAC) | Nissan Motor Acceptance Company LLC | nissanusa.com |
| Hyundai, Kia, Genesis | Hyundai Motor Finance / Kia Finance America / Genesis Finance | Hyundai Capital America | hyundaiusa.com |
| Subaru | Subaru Motors Finance | JPMorgan Chase Bank, N.A. provides SMF financing and leasing | subaru.com |
| Mazda | Mazda Financial Services | Mazda Financial Services | mazda.com |
| Volkswagen, Audi | Volkswagen Credit / Audi Financial Services | VW Credit, Inc. / Audi Financial Services | vw.com |
| Ford, Lincoln | Ford Credit | Ford Motor Credit Company LLC | ford.com |
| Chevrolet, GMC, Buick, Cadillac | GM Financial | AmeriCredit Financial Services, Inc. d/b/a GM Financial | gmfinancial.com |
| Jeep, Ram, Dodge, Chrysler | Stellantis Financial Services / Chrysler Capital | Stellantis Financial Services US; older contracts may still say Chrysler Capital | chryslercapital.com |
| BMW | BMW Financial Services | BMW Financial Services NA, LLC | bmwusa.com |
| Mercedes-Benz | Mercedes-Benz Financial Services | Mercedes-Benz Financial Services USA LLC | mbusa.com |
| Volvo | Volvo Car Financial Services | Volvo Car Financial Services U.S., LLC | volvocars.com |
| Tesla | Tesla Finance | Tesla Finance / Tesla Lease Trust | tesla.com |
Who finances a Honda lease?
American Honda Finance Corporation, doing business as Honda Financial Services and Acura Financial Services. The consumer portal is hondafinancialservices.com. Honda.com’s leasing pages describe Leadership Leasing; the account lives at HFS.
Shared captives
- Honda / Acura — one lender, two brand names on the statement.
- Toyota / Lexus — TMCC / TFS / LFS. Lease accounts may be owned by Toyota Lease Trust.
- Nissan / Infiniti — Nissan Motor Acceptance Company.
- Hyundai / Kia / Genesis — Hyundai Capital America.
- Ford / Lincoln — Ford Motor Credit.
- Chevrolet / GMC / Buick / Cadillac — GM Financial.
- Volkswagen / Audi — VW Credit / Audi Financial Services.
- Jeep / Ram / Dodge / Chrysler — Stellantis Financial Services; older contracts may still say Chrysler Capital.
Why the name on the statement matters
Gap-waiver questions, lease transfers, buyout payoffs, and pull-ahead eligibility are captive decisions. A dealer can quote a program. Only the lender can confirm it on your VIN.
Key Takeaways
- The captive on the statement holds the lease, not the selling dealer.
- Honda/Acura = AHFC. Toyota/Lexus = TMCC. Hyundai/Kia/Genesis = Hyundai Capital America.
- Subaru Motors Finance is a Chase program. Tesla is direct through Tesla Finance.
- Call the captive for payoff, transfer, gap waiver, and pull-ahead — not the sales floor.
FAQs
American Honda Finance Corporation, branded Honda Financial Services (and Acura Financial Services on Acura contracts). The customer portal is hondafinancialservices.com.
BMW Financial Services NA, LLC. Account tools are on bmwusa.com / myaccount.bmwfs.com.
Both are consumer brands of Hyundai Capital America, along with Genesis Finance. The statement name differs; the parent lender is the same.
Tesla Finance / Tesla Lease Trust. There is no dealer captive in the middle. Manage the account in the Tesla app or Tesla Account.
Some credit unions and banks buy or write auto leases, but factory programs, loyalty, and pull-ahead almost always require the brand captive. A third-party lease usually forfeits those.
Related guides
8 minLease pull-ahead programs
Manufacturer pull-ahead programs that waive remaining payments when you lease or buy the same brand—and how they differ from early termination.
12 minDo you need gap insurance on a lease?
Whether your lease already includes a gap waiver, how to verify it in the contract — not on your insurance card — and when buying coverage is still worth it.
8 minLease loyalty programs by brand
What lease loyalty is, how it differs from pull-ahead and conquest, and the amounts each captive publishes on its own site.
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