• I typically drive more than 15,000 miles per year. Does that mean I shouldn't lease?

    Not at all. Once your Acura Luxury LeaseTM begins, you cannot change your mileage allowance. However, we have special lease programs that allow you to buy "up-front" mileage less expensively than you would pay at the conclusion of the lease. This cost can conveniently be included in your monthly payment. Note: If you do not use all the miles you purchase, no refund is made. Ask your Acura dealer for details.
  • Where can I find my mileage allowance for my lease?

    You can locate your lease’s mileage allowance on your lease agreement.
  • What if I go over my mileage allowance?

    If you go over your mileage allowance, charges may apply. Please review your lease agreement for details.
  • Do I need to perform maintenance on a leased vehicle?

    Yes. As part of your Acura Luxury Lease agreement, you are responsible for servicing your vehicle in accordance with the manufacturer's minimum recommendations and as requested by the manufacturer in connection with any recall campaign.
  • What are the insurance requirements for a leased vehicle?

    AFS requires you must maintain physical damage, comprehensive, and collision insurance coverage for the duration of your contract for the minimum coverages required by the laws of the state in which you reside. Honda Lease Trust (HVT, Inc. in NY and VA) should be listed as an additional insured and loss payee. Please read your lease agreement carefully and contact your insurance agent for details on your state’s requirements or information on coverage to suit your specific needs.
  • After an accident, how do I get an insurance check endorsed to pay for vehicle repairs?

    You will need to mail the check to AFS for endorsement. Contact AFS Client Services for more information. Don't forget to include your AFS account number on your check for reference.

    If the check is less than $1,000, it will be endorsed without documentation if the account is current.

    If the check is $1,000 to $5,000, a copy of the insurance estimate and the completed repair order will be required.

    If check is more than $5,000, a copy of the insurance estimate, a completed repair order and a dealer inspection will be required.

  • I want to buy a vehicle service contract. Can I include the cost in my lease payment?

    You may include an Acura Care® Vehicle Service Contract (VSC) in your Acura Luxury Lease contract if you purchase it at the time of your lease agreement. Acura Care adds protection, but is not a leasing requirement and is fully optional. See your Acura dealer for details.
  • What happens if my vehicle is stolen or "totaled" in an accident?

    In this case, please continue to make your payments and immediately notify AFS Client Services to discuss the next steps. All Acura leases include Guaranteed Asset Protection (GAP) to protect you if your insurance company pays less than the amount it would cost to pay off the car. The lease GAP coverage provides different protection than Acura Care GAP and certain exclusions and limitations apply, so please refer to your contract or contact AFS Client Services for details.
  • If I lease, am I responsible for sales tax and property tax?

    In some states, you pay sales tax that is based upon your monthly payments. Other states require you to pay tax on the full value of the vehicle. Property tax treatment varies from state to state as well. Ask your dealer for information about the tax regulations in your state or contact the Tax Assessor office.
  • Are leasing and balloon financing available for non-Acura vehicles?

    Not through AFS.
  • What are the Lease Maturity Center (LMC) hours of operation?

    The LMC hours of operation are Monday – Friday, 9 a.m. – 5 p.m. local time.
  • What are Acura Loyalty Advantage benefits?

    Acura Loyalty AdvantageTM benefits reward loyal AFS lease clients by offering:
    • Momentum Miles®: If you have driven fewer than your contracted lease miles, your unused lease miles (up to 15,000) will be rounded up to the nearest 1,000 and added to your next Acura Luxury Lease.
    • Mileage Forgiveness®: If you have driven more than your contracted lease miles, we will waive half of your excess mileage (up to 7,500) when you lease or finance through AFS. Plus, if you choose to lease another new Acura with us, we'll add an additional 1,000 miles to your base mileage amount.
    Plus, as a loyal AFS client1 , you can also take advantage of:
    • An additional $750 Excessive Wear-and-Use or Damage Waiver2 (up to $1,500 total waived) on your current lease
    • A waiver on the turn-in fee3 for your current lease
1 A loyal client is one who purchases or leases another new Acura or Honda automobile within 30 days prior to or after the turn-in date.
2An Acura Luxury Lease includes a $750 Excessive Wear-and-Use or Damage Waiver. Loyal clients may qualify for an additional waiver and may be eligible for a turn-in fee waiver. Total Excessive Wear-and-Use or Damage Waiver amount not to exceed $1,500.
3The turn-in fee amount depends on your state. See your lease contract for details.
  • Where can I find my APR?

    Your APR can be located on the first page of your contract.
  • How can I make a principal payment?

    You may make a principal payment online by logging in to your AFS account, selecting "Make a Payment" from the Finance Account Overview page, clicking "Want to pay down principal?" and entering the desired amount.

    You may also mail your principal payment by including your account number on a check made payable to Acura Financial Services to the following address:

    American Honda Finance Corporation
    PO Box 165007
    Irving, TX 75016

    Please note that principal payments are used to pay down the principal balance of a retail account; regular monthly payments must still be made to avoid late fees.
  • What are the insurance requirements for a financing contract?

    AFS requires you must maintain physical damage, comprehensive, and collision insurance coverage for the duration of your contract, with the minimum coverage amounts required by your state, with American Honda Finance Corp. (AHFC) named as the loss payee. Please read your finance agreement carefully and contact your insurance agent for details on your state’s requirements or information on coverage to suit your specific needs.
  • I want to buy a vehicle service contract. Can I include the cost in my auto financing?

    You may include an Acura Care VSC in your finance contract if you purchase it at the time of your finance agreement. Acura Care adds protection, but is not a requirement and is fully optional. See your Acura dealer for details.
  • Can Acura Certified Pre-Owned Vehicles be financed?

    Yes these vehicles can be financed. Please see your dealer for details.
  • After an accident, how do I get an insurance check endorsed to pay for vehicle repairs?

    You will need to mail the check to AFS for endorsement. Contact AFS Client Services for more information. Don't forget to include your AFS account number for reference.

    If the check is less than $1,000, it will be endorsed without documentation if the account is current.

    If the check is $1,000 to $5,000, a copy of the insurance estimate and the completed repair order will be required.

    If the check is more than $5,000, a copy of the insurance estimate, a completed repair order and a dealer inspection will be required.
  • How do I obtain a replacement Lien Release?

    In most circumstances, AFS Client Services will be able to provide a duplicate lien release, depending on the year and model of the vehicle. If your account has been paid in full for more than 90 days, you can also obtain a duplicate title or lien release online at My Title Support or by phone at 866-826-2834, 6 a.m. – 5 p.m. PT. You will need to provide borrower information (name, address, etc), as well as account number, VIN and titling state. A processing fee may be charged.

End of One-Pay Lease

  • How can I get a payoff quote?

    Payoff quotes are available online by logging in to your AFS account or by calling our automated system at 1-866-777-6495.

    Note: The automated system cannot provide quotes on lease accounts in which the vehicle is garaged in IL or OH, or if certain conditions require that you speak with an AFS Client Service Representative. You may contact a representative Monday through Friday from 8:00 AM to 5:00 PM local time.
  • After I have made my payoff, when will I receive my title?

    The usual time to receive your title is 2-3 weeks, depending on the state and how the title is held. If there is no outstanding balance on your account, the title will be mailed upon verification of final payment clearance. It is important to verify AFS has your current address on file to ensure you receive your title.
1 This document is intended to provide an overview of coverages and benefits. Actual coverages, limitations, and exclusions may vary. See your Service Contract and Cross Country Motor Club, Inc. Membership Guidelines and/or Emergency Roadside Assistance Guidelines for complete details.
2 Exclusions include, but are not limited to, body parts, tires, maintenance items, glass, upholstery, trim, carpeting and ornamentation. Claims cannot exceed the cash value of the vehicle.
3 Transfer fee may apply.

ELECTRONIC STATEMENTS
(eSTATEMENTS)

  • What are eStatements?

    eStatements are a convenient way to view your 12 most recent statements online. With eDelivery, you will receive an email each month that prompts you to view your eStatement.
  • How do I enroll in eDelivery?

    Clients now have the ability to enroll in eDelivery when they register their AFS account online. If you have an AFS account and are not already enrolled in eDelivery, log in and select “Paperless Statements & Letters” under Communication Preferences.
  • If I’m enrolled in eDelivery, when will I receive my statement?

    You will receive an email the same day your eStatement is available, prompting you to view it online. You will not receive a paper statement. eStatements are available up to three weeks prior to your monthly due date.
  • Is there a charge for using eDelivery?

    No, this service is offered free of charge.
  • Can I cancel eDelivery?

    Yes. Log in to your account, click on "Communication Preferences" and then uncheck "Paperless Statements & Letters."

Paper Statements

  • When will I receive my paper statement?

    If you are not enrolled in eDelivery, you should receive your statement in the mail approximately two weeks before each monthly due date. Your due date can be found on your contract.
  • What are my payment options?

    • Log in to your AFS account to make a One-Time Payment or recurring EasyPaySM payment using your bank account.
    • Call AFS Client Services and pay using your bank account or debit card.
    • Mail your payment to the address listed on your statement or find your Payment Address here.
    • Set up a bill pay payment through your online banking institution.
  • Where can I mail a payment?

    You may mail your payment to the address on your statement, or find your Payment Address here.
  • Can I pay my bill with a credit card?

    We are unable to accept credit cards. You can call AFS Client Services to make a payment using your debit or ATM card or by using Western Union® Speedpay® at 1-800-366-8500 (Western Union assesses a processing fee), or pay online using your bank account. Review all your Payment Options here.
  • Are there late payment fees?

    If a payment is received after the due date, a late charge may be assessed to your account and interest will continue to accrue. Refer to your contract for specific information regarding late charges.
  • Why doesn't the estimated payoff on my statement decrease by the amount I pay each month?

    On a lease, your payment consists of vehicle depreciation, a rent charge, and possibly sales tax.  Only the vehicle depreciation portion of your payment applies towards your payoff.  

    On a financed vehicle, your payment consists of interest and principal portions.  Although the entire amount paid is applied towards your payoff, timing differences between the date you paid your previous monthly payment and the good through date of the estimated payoff could cause differences.  It is important to note that your finance account accrues interest daily.
  • What if a check is returned for insufficient funds?

    If funds are not available when AFS attempts to deposit a check, you must submit a replacement payment and additional dishonored payment charges may be applied (as permitted by law). Refer to your finance or lease agreement for specific information regarding insufficient funds.
  • Why did I receive a separate bill for taxes? Isn't this part of my monthly lease payment?

    We initially pay the tax bill on your behalf and then send you a bill in turn. For an estimate of these charges over the term of your lease, please refer to the "Estimated Fees and Taxes during Your Lease Term" section on the front of your lease agreement. You should not include your lease vehicle on any personal property forms during the duration of your lease agreement.
  • Can I receive an email or text reminder that my payment is coming due?

    Yes. Log in to your account, click on "Communication Preferences" and then select the type of notification you wish to receive.

Online PAYMENT

Payoffs

  • How can I get a payoff quote?

    Payoff quotes are available online by logging in to your account or by calling our automated system at 1-866-777-6495.

    Note: If you live in IL or OH, certain conditions require that you speak with an AFS Lease-End Specialist.
  • Can I finance my lease purchase through AFS?

    Please contact your local Acura dealer to determine eligibility for financing your lease purchase with AFS. AFS is an indirect lender, so all finance contract negotiations should be made with your dealer.
  • When will I receive my security deposit?

    If your lease included a security deposit, it is generally released upon receipt of payoff if there is no outstanding auto lease balance or pending property taxes due on your account.
  • Why doesn't the estimated payoff on my auto lease statement decrease by the amount I pay each month?

    Your payment consists of depreciation and a rent charge (which is the cost of having a lease) and possibly taxes. Only the depreciation amount is applied to your payoff.
  • If I decide to purchase my vehicle for the payoff amount, when will I receive my title?

    If there is no outstanding balance on your account, the title will be mailed upon verification of final payment clearance. It is important to verify AFS has your current address on file to ensure you receive your title.

    On a lease, federal law requires disclosure of the vehicle mileage in connection with the transfer of ownership, you must submit a signed and dated Odometer Disclosure Statement and Title Release Information. Your vehicle title cannot be released until we receive the Odometer Disclosure Statement. You can mail the completed Odometer Disclosure with your payoff check to:

    Honda Finance Exchange, Inc.
    P.O. Box 70252
    Philadelphia, PA 19176

    If your payoff is submitted online, please fax the completed form to:

    Attn: Captive Client
    Fax No.: 937-481-5307

    Leadership Purchase Plans® do not require the Odometer Disclosure Statement.

    Note: The state of Ohio requires original documentation for lease payoffs. Please contact the LMC at 1-866-777-6495 for more details
  • Can someone else purchase my leased vehicle?

    We are unable to conduct third-party sales. Your leased vehicle may only be purchased by the original lessee(s) or by a dealer.
  • Is my payoff, end-of-term purchase price negotiable?

    No, this amount is determined at the beginning of your lease or Leadership Purchase Plan, is included in your contract, and is used to determine your monthly payments.
  • Am I responsible for sales tax and property tax at the end of my lease?

    After terminating your lease agreement, you may be liable for the current year’s property tax bill. Property tax treatment varies by state and can take up to two years to receive the tax bill from the taxing jurisdiction. As per your lease agreement, you are liable for paying all due taxes.

Inspection, Wear and Use

  • When should I have my vehicle inspected?

    The inspection should be completed in the last two scheduled months of your lease agreement. That way, you'll have time to take care of any repairs yourself if you want to make them. Or, if you choose to have us make the repairs, you'll understand exactly what you're being billed for.
  • Can I schedule my lease inspection online?

    Yes, you can schedule your lease inspection online by visiting SGS. Please have your AFS account number and VIN available.
  • Why can't I just have my dealer perform the inspection on my vehicle?

    Only authorized agents can provide an End-of-Lease inspection. You can schedule your lease inspection online by visiting SGS or call 1-800-340-4080.
  • How long does the inspection take?

    In general, about an hour or less, assuming your vehicle is free of excessive damage.
  • Do I have to be present during the inspection?

    While it's tempting to hand your keys to the inspector and let the inspection proceed without you, we encourage you to take a few minutes to witness it. Since you'll be asked to sign the report, you'll want to be present as the inspector looks at the vehicle. Additionally, you'll receive a copy of the report for your records. If you simply can't be present for the inspection, enlist someone who knows your vehicle well to be there.
  • Do I have to take care of the repairs before I turn in my vehicle?

    You may return your leased vehicle without making repairs, however you will receive a bill for the cost of excess wear and use. Contact the Lease Maturity Center before making any repairs, as some damages may be covered by your Excessive Wear-and-Use or Damage Waiver. Keep in mind that the use of Genuine Acura Parts is a requirement of lease agreements.
  • What if something happens to my vehicle between the time it's inspected and I turn the vehicle in?

    Your vehicle is subject to a final inspection after you turn it in, so if a problem arises after your preliminary inspection, you may still be liable for it. Sometimes damage or malfunctions can't be detected during the inspection, or an unexpected condition arises after your vehicle is inspected. If you receive a bill for charges with which you're not familiar, contact an End-of-Term Bill Payment representative at 1-800-351-6510.
  • Can I pay my final (end-of-term) bill with a credit card?

    Yes, unlike a regular monthly payment, you may pay your end-of-term bill with a credit card. Contact an End-of-Term Bill Payment representative at 1-800-351-6510 for more information.
  • What charges may I expect on my final (end-of-term) bill?

    Wear-and-use or damage, outstanding payments, excessive mileage, turn-in fee1, and any other outstanding obligations specified in your vehicle lease agreement.
  • Will any of the charges on my final (end-of-term) bill be waived for loyalty?

    Yes, Acura Loyalty Advantage benefits reward loyal clients by offering:
    • Momentum Miles: If you have driven fewer than your contracted lease miles, your unused lease miles (up to 15,000) will be rounded up to the nearest 1,000 and added to your next Acura Luxury Lease.
    • Mileage Forgiveness: If you have driven more than your contracted lease miles (up to 7,500), we will waive half of your excess mileage when you lease or finance through AFS. Plus, if you choose to lease another new Acura with us, we'll add an additional 1,000 miles to your base mileage amount.
    Plus, as a loyal AFS client2, you can also take advantage of:
    • An additional $750 Excessive Wear-and-Use or Damage Waiver3 (up to $1,500 total waived) on your current lease
    • A waiver on the turn-in fee for your current lease
1 The turn-in fee amount depends on your state. See your lease contract for details.
2 A loyal client is one who purchases or leases another new Acura or Honda automobile within 30 days prior to or after the turn-in date.
3 An Acura Luxury Lease includes a $750 Excessive Wear-and-Use or Damage Waiver. Loyal clients may qualify for an additional waiver and may be eligible for a turn-in fee waiver. Total Excessive Wear-and-Use or Damage Waiver amount not to exceed $1,500.

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Register your Acura Financial Services account online to safely and conveniently:

  • Make Payments
  • View Statements
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Now Available on Your AFS Account:
• Schedule Payments – Make your payments same-day or schedule them for a future date.
• Manage Payments – View, modify and cancel payments.
• Payment Notifications – Receive payment reminders and other payment notifications via email and/or text. The choice is yours.
• EasyPaySM Made Easy – Enjoy more flexible EasyPay automatic payment options, including selecting a withdrawal date that works best for you.
• Mobile Friendly – Make your payments on-the-go with our mobile enhanced web pages.
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