Questions?

To speak with us, call 1-800-445-8460, weekdays, 8:00 a.m. to 7:00 p.m. ET.

To use our automated telephone service to request a payoff, make a payment or verify the status of your payment, call 1-800-445-8460, 24 hours a day, 7 days a week.

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Are you near the end of your Huntington lease?
Frequently asked questions about your Huntington lease


Are you near the end of your Huntington lease?

You have three options when your Huntington lease matures:

  1. Purchase Your Vehicle

    When you purchase your vehicle, you are no longer responsible for excess wear, mileage charges or the Vehicle Handling Fee provisions of your lease. Call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET and we'll explain the purchase process. We'll also help you explore various financing alternatives from Huntington. You may even be eligible for a 1/4% discount off your loan rate if you have a Huntington checking account.

  2. Trade Your Vehicle

    Trade your vehicle towards the lease or purchase of a replacement vehicle through a dealer of your choice. Trading your vehicle means the dealer will buy the vehicle from us at your purchase option price. Dealers cannot make your remaining payments or return the vehicle for you. You are not responsible for excess wear, mileage charges or the Vehicle Handling Fee when you trade your vehicle.

  3. Return Your Vehicle

    Return your vehicle to an authorized return location; you'll receive a list of locations 30 days prior to the maturity of your lease along with a guide to vehicle inspection. (Note: we do not allow vehicles to be returned directly to a dealer unless authorized. Please call 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to see if this option is available under your lease agreement.) You are fully responsible for your vehicle until it has been returned to our authorized location. Approximately 10 days after you return your vehicle you will receive your final invoice which will include your Vehicle Handling Fee (if applicable), excess wear and excess mileage charges (if applicable). If you would like us to pick up your vehicle for an additional fee, call 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET for details.

Frequently Asked Questions about your Huntington lease

What is the amount of my lease payoff?

Your Huntington Vehicle Lease contains a purchase option which is your lease payoff amount.

How can I request a lease payoff?

Call us at 1-800-445-8460 24 hours a day, 7 days a week, and follow the prompts in our automated telephone service to obtain your payoff amount.

You can request a purchase kit, which includes a bill of sale and odometer statement. These are required to pay off your vehicle. Complete the forms and send with a check in the amount of your lease payoff with your account number OR Social Security Number to:

HNB Auto Exchange
Attn: NC1N10
2361 Morse Road
Columbus, Ohio 43229

If you need a loan to pay off your lease, we offer several lease vehicle purchase financing options. Call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to discuss alternatives.

Has my lease payment been received?

To verify the status of your payment, call our automated telephone service at 1-800-445-8460, 24 hours a day, 7 days a week.

I still haven't received my coupon book. Where do I send my first payment?

If you have a payment that is due, please send your first payment to the address below. Please include your Social Security Number on the check or money order.

The Huntington National Bank
Attn: NC1C06, Funding
2361 Morse Road
Columbus, OH 43229

When you receive your coupon book, begin using the regular payment address. It can take up to 14 days to receive your coupon book after we document the details of your agreement.

If you have questions about your coupon book, call 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET.

I need to change my lease payment due date.

You may change your lease payment due date once during your lease. There is no fee for changing your due date; however, you may only change your due date to a new due date that is within 10 days from the original due date.

Call 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to request a due date change.

What is the lease payment address?

The Huntington National Bank
P.O. Box 182519
Columbus, OH 43218-2519

Can my lease payment be automatically debited from my account?

You may have your payments automatically taken out of your checking or savings account. Call 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to have automatic payments started.

I have other Huntington accounts. How else can I make my lease payment?

  1. Use Huntington Bill Pay to set up recurring payments. This is a free service as long as you make payments from your Huntington checking account. Sign up online to get instant access. Once you've logged in to Online Banking, click the “Bill Pay” tab and follow the instructions.

    If you already have Online Banking, just log in and click the “Bill Pay” tab. Input the payment information for your lease.

  2. If you don't have Internet access, sign up for telephone Bill Pay by calling 1-800-480-BANK (2265) weekdays, 7:00 a.m. to 10:00 p.m. ET and weekends, 8:00 a.m. to 5:00 p.m. ET, or by visiting your local Huntington banking office.

  3. You can make your payments over the phone from your Huntington checking account for free (the cost to make a phone payment from a non-Huntington account is $12.00). Don't have a Huntington checking account? Find the right checking account for you.

  4. Or make your Huntington Vehicle payment through any Huntington banking office using your payment coupon.

How can I make a lease payment over the phone?

Call our automated telephone service at 1-800-445-8460 to make your payment. You'll need your checking account number, check number, bank routing number and lease account number. The payment must be made by 4:00 p.m. ET to be applied the same business day. There is no cost to make a payment from your Huntington checking account using our automated service, or $5.00 if we assist you. The cost to make a payment from a non-Huntington account is $12.00.

What are my lease termination options?

Please call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET.

Can I trade in my leased vehicle?

Absolutely! Just be sure that the dealership you are trading your vehicle in to is paying off your lease, NOT simply making your remaining payments for you, which would not fulfill your lease obligations. Please call us for more information, 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET.

Can I terminate my lease early?

There are several ways to terminate your lease early:

  1. Trade in your lease vehicle toward the lease or purchase of a replacement vehicle. Visit a dealership of your choice to discuss this option.

  2. Exercise the purchase option contained in your lease. Call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to discuss financing options.

The cost of early termination depends on which of the above options you choose and how early the lease is terminated. For more information call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET.

What if I want to pay off my lease?

First, remember that making all of your remaining payments (prepaying your lease) and paying off your lease are two different things. You may pay off your lease at any time.

To obtain your payoff amount, call 1-800-445-8460 24 hours a day, 7 days a week, and follow the prompts in our automated telephone service.

You can request a purchase kit, which includes a bill of sale and odometer statement to pay off your vehicle. Fill out the forms and send with a check in the amount of your lease payoff with your account number OR Social Security Number to:

HNB Auto Exchange
Attn: NC1N10
2361 Morse Road
Columbus, OH 43229

Huntington offers financing options. If you need a loan to pay off your lease, call 1-888-841-6458 weekdays, 8:00 a.m. to 7:00 p.m. ET and Saturdays, 8:00 a.m. to 5:00 p.m. ET.

My final invoice was higher than I expected. Why is this?

Your final invoice could include charges for excess wear, mileage charges or a Vehicle Handling Fee and any remaining unpaid amounts due on the lease. To discuss your final invoice, call 1-888-899-3269 weekdays, 8:00 a.m. to 7:00 p.m. ET.

I didn't receive the title for the leased vehicle I purchased.

Call us at 1-800-445-8460 weekdays, 8:00 a.m. to 7:00 p.m. ET to request your title.