Disposition fees by brand

What each captive publishes

These are the amounts each lender states on its own lease-end pages, as of August 2026. The source column is there so you can re-check any row yourself rather than take this page's word for it.

One naming quirk worth knowing: Ford Credit calls it a "disposal fee," not a disposition fee. If you search Ford's site for the usual term you will find nothing, and it is easy to conclude Ford does not charge one. It does.

"Up to" is doing real work in that table

Toyota, GM, BMW, and Nissan all phrase the fee as a maximum. That wording is not legal hedging for its own sake — it exists because the enforceable amount is whatever your signed lease says, and that figure varies by program year, by state, and occasionally by the dealer paperwork you signed on.

• The number in your contract is the number you owe. This table tells you what to expect, not what to argue with.
• A fee lower than the published cap is normal, not an error in your favor that someone will later correct.
• Find it under the lease-end or 'end of term' clause, usually near the excess wear and excess mileage language.

Your state may cancel it

Three of the six lenders flag state law directly in their own material, which is a strong signal that this varies more than the industry lets on. Their exact carve-outs:

• Toyota Financial Services / Lexus Financial Services: TFS warns that customers who originated in New Jersey may be billed for the fee before the waiver is applied.
• GM Financial: GM Financial states the fee is included in its leases only where the state allows it.
• BMW Financial Services: BMW caps the fee at the amount permissible by law in your state.
• Subaru Motors Finance (Chase): Subaru's own lease-end page excludes New York and Wisconsin from the fee.

If you leased in New York or Wisconsin, check before you budget for this at all. And note the Toyota case specifically — a New Jersey lessee can receive a bill for a fee that is later waived, which is alarming to open and not worth panicking over.

How to get it waived

This is the part worth acting on. Every captive in the table waives the disposition fee if you stay with the brand — the conditions differ in the details, and the details are where people lose the waiver.

• The timing window is real. Nissan and Toyota both specify 30 days; miss it and the waiver is gone even though you bought the same brand.
• It usually has to be financed through the same captive. Paying cash, or financing through your own bank, generally forfeits the waiver.
• Buying out your current lease removes the fee entirely — there is nothing to dispose of.
• Toyota's three-or-more-accounts route is unusual and easy to miss if you have leased with TFS or LFS before.

Brands that do not publish a number

Several major captives keep the amount behind a login or inside the contract only. Honda is the most-searched of these, and it is also where secondary sources are least reliable — some pages claim Honda Financial Services charges no disposition fee, which is not something Honda states anywhere public.

For these, your lease agreement is the only reliable source. Your account portal or a call to the captive will confirm it, and both beat any table on the internet — including this one.

What else lands on the same bill

The disposition fee is one line on a lease-end statement, not the whole statement. It is charged in addition to whatever else the return turns up, so treat $300–$495 as the floor of your return cost rather than the total.

• Excess mileage, billed per mile over the total allowance in your contract.
• Excess wear and tear, assessed at the return inspection.
• Any remaining payments, late fees, or unpaid property tax on the lease.

Lease end inspection checklist

Mileage overage fees by brand