Unleased Auto
Negative Equity Kills Deals. UNLEASED Saves Them.
Negative equity is the #1 reason customers cannot get into their next vehicle. Average negative equity has hit a historic high of $7,000+. Dealers lose the sale, lose the service revenue, and lose the relationship — permanently. Unleased fixes that. When a qualifying life event leaves your customer underwater, Unleased bridges the gap — so the deal gets done, the customer stays loyal, and you close the next one too.
Key Benefits
Retain customers through qualifying life events
Remove the barrier of negative equity
Increase front & back-end gross
Dealer controlled — you present it
Simple to present, powerful results
Qualifying Life Events
What Triggers Unleased Assistance
Involuntary Job Loss
(30+ consecutive days)
Disability
(30+ consecutive days)
Hospitalization
(3+ consecutive days)
Death of Primary Wage Earner
All events are subject to verification and program guidelines.
Why It Works
Protects both the customer and the dealership
Encourages customer loyalty and repeat business
Provides real solutions during real-life events
Simple to present, easy to understand
Dealer-presented and fully controlled
Supports transaction continuity and profitability
Unleased Auto is not GAP insurance. It is transition assistance — helping customers move into their next vehicle with the same dealership.
What Is Unleased Auto?
Keeping Customers.
Protecting Dealerships.
Unleased Auto is a voluntary, customer-purchased product that provides transition assistance toward negative equity in a retail-financed or leased vehicle when a qualifying life event occurs.
It is not GAP insurance. It is transition support that helps customers move into their next vehicle with the same dealership—so everyone wins.
When a qualifying event leaves a customer with negative equity, Unleased bridges the gap so they can move forward with you.
Program Options
Two Ways to Deploy Unleased Auto
Choose the deployment model that fits your dealership's size, strategy, and sales volume.
Portfolio / Embedded
Broad Deployment
Apply Unleased Auto broadly across your inventory for maximum customer coverage. Ideal for high-volume stores building a consistent, scalable retention strategy.
Applied across your full inventory
Standard Coverage: Up to 15% of verified negative equity — maximum $3,000
Enhanced Coverage: Up to 30% of verified negative equity — maximum $6,000
All payments made directly to the dealership
Maximizes customer protection through participation
Ideal for high-volume dealerships
Selective Access
Strategic Deployment
Apply Unleased Auto selectively to specific transactions where it delivers the most value. Gives dealers maximum flexibility to manage the program deal by deal.
Applied to specific, targeted deals
Standard Coverage: Up to 15% of verified negative equity — maximum $3,000
Enhanced Coverage: Up to 30% of verified negative equity — maximum $6,000
All payments made directly to the dealership
Greater deal-by-deal flexibility
Ideal for strategic transaction management
Important Program Rules
No assistance without a qualifying event and full documentation
No assistance without a replacement vehicle from the same dealership
No assistance on early payoff or voluntary trade-in
All events subject to verification per program guidelines
Unleased reserves the right to deny, reduce, or audit requests
Program terms are subject to change
Dealership Protections
Centralized valuation and payoff reviews
Audit rights to protect program integrity
Fraud prevention and request monitoring
Dealer agrees to accurate documentation and compliance
Unleased makes all final approval decisions
Why Choose Unleased
Retain more customers and close more deals
Solve the #1 reason customers leave—negative equity
Help customers transition with confidence
Build loyalty and long-term dealership relationships
High-value, easy-to-present F&I product
Built on transparency and a fair process