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Fusion Auto Finance Leasing Market Report: Q1, 2025

Lease Market Snapshot

Fusion Auto Finance’s Leasing Benchmark Report offers a clear view into the trends shaping the vehicle leasing market—built specifically for credit unions. Each month, we combine industry-wide indicators with insights from Fusion’s own data and research to deliver focused, actionable analysis. From shifts in residual values and lease rates to changes in consumer demand and OEM incentives, this report helps credit unions understand where the market is heading—and how to stay ahead.

Leases Signed
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Lease Price Overview: Quarterly Average & Trend Analysis

  • Average Monthly Payment: $368 (↑ 2.4% from last quarter)

  • Most Common Price Range: $300–$399/month

  • Trend: Modest rise in SUV lease pricing driven by demand for crossovers

TRENDS AND INSIGHTS:

Lease prices saw a modest 2.4% increase this quarter, with SUVs and crossovers contributing most to the upward trend. The $300–$399 range remains the most common monthly payment, suggesting continued demand for mid-tier lease options. Monitoring price sensitivity will be key as inventory and interest rates shift.

Lease Term Insights: Average Duration & Trend Analysis

  • Average Lease Term: 36 months

  • Short-Term Leases (24 mo or less): 18% of total

  • Trend: Increase in 24-month terms for EVs and compact sedans

TRENDS AND INSIGHTS:

Average lease terms remained steady at 36 months, consistent with prior quarters. A slight shift toward shorter-term leases suggests growing consumer interest in flexibility, possibly influenced by rapid changes in vehicle technology and availability.

“We are excited to collaborate with a forward-thinking credit union like PremierOne Credit Union by bringing our lease program to their members and consumers in their market. Car shoppers are payment-driven and leasing provides a true medium for credit unions to capture that volume while becoming far more relevant with dealers in their market.”

Robert O’Hara, Director of Credit Union Relations at GrooveCar

Average Lessee Credit Score & Look-to-Book Rate

  • Average Credit Score: 714

  • Look-to-Book Rate: 12.5%

  • Trend: Higher approval rates for applicants with 700+ scores

TRENDS AND INSIGHTS:

The average lessee credit score held strong at 715, indicating continued participation from well-qualified borrowers. Look-to-book rate improved slightly this quarter, signaling better alignment between application quality and funding approvals.

Total Leases Signed: Volume & Quarterly Growth

  • Total Leases Signed: 157

  • Quarter-over-Quarter Growth: +6.8%

  • Trend: Growth driven by SUV and hybrid lease activity

TRENDS AND INSIGHTS:

Lease volume rose 5.8% from the previous quarter, driven by increased promotional activity and end-of-year demand. Growth was most notable among compact SUVs, reinforcing their popularity in both urban and suburban markets.

Most-Leased Vehicles This Quarter: Top 5 Models

TRENDS AND INSIGHTS:

The top five leased models this quarter were dominated by fuel-efficient crossovers and sedans, with the Honda CR-V and Toyota RAV4 leading the pack. Their balance of affordability, reliability, and feature sets continue to resonate with consumers across demographics.

Our #1 Leased Vehicle

2019 Hyundai Santa Fe

A comfortable, feature-packed SUV that delivers peace of mind with SmartSense safety tech, a clean CARFAX, and low mileage. With a panoramic sunroof and Apple CarPlay, it’s no surprise this is a top lease choice.

  • SmartSense Safety Tech

    Includes advanced safety features like lane keeping assist and forward collision warning.

  • Verified Lease Return

    A single-owner lease return with a transparent maintenance record and verified condition.

  • Modern Tech & Comfort

    Panoramic sunroof, Apple CarPlay, Android Auto, and a spacious interior for all your drives.

Our #2 Leased Vehicle

2019 Hyundai Santa Fe

A comfortable, feature-packed SUV that delivers peace of mind with SmartSense safety tech, a clean CARFAX, and low mileage. With a panoramic sunroof and Apple CarPlay, it’s no surprise this is a top lease choice.

  • SmartSense Safety Tech

    Includes advanced safety features like lane keeping assist and forward collision warning.

  • Verified Lease Return

    A single-owner lease return with a transparent maintenance record and verified condition.

  • Modern Tech & Comfort

    Panoramic sunroof, Apple CarPlay, Android Auto, and a spacious interior for all your drives.

Our #3 Leased Vehicle

2019 Hyundai Santa Fe

A comfortable, feature-packed SUV that delivers peace of mind with SmartSense safety tech, a clean CARFAX, and low mileage. With a panoramic sunroof and Apple CarPlay, it’s no surprise this is a top lease choice.

  • SmartSense Safety Tech

    Includes advanced safety features like lane keeping assist and forward collision warning.

  • Verified Lease Return

    A single-owner lease return with a transparent maintenance record and verified condition.

  • Modern Tech & Comfort

    Panoramic sunroof, Apple CarPlay, Android Auto, and a spacious interior for all your drives.

Our #4 Leased Vehicle

2019 Hyundai Santa Fe

A comfortable, feature-packed SUV that delivers peace of mind with SmartSense safety tech, a clean CARFAX, and low mileage. With a panoramic sunroof and Apple CarPlay, it’s no surprise this is a top lease choice.

  • SmartSense Safety Tech

    Includes advanced safety features like lane keeping assist and forward collision warning.

  • Verified Lease Return

    A single-owner lease return with a transparent maintenance record and verified condition.

  • Modern Tech & Comfort

    Panoramic sunroof, Apple CarPlay, Android Auto, and a spacious interior for all your drives.

Our #5 Leased Vehicle

2019 Hyundai Santa Fe

A comfortable, feature-packed SUV that delivers peace of mind with SmartSense safety tech, a clean CARFAX, and low mileage. With a panoramic sunroof and Apple CarPlay, it’s no surprise this is a top lease choice.

  • SmartSense Safety Tech

    Includes advanced safety features like lane keeping assist and forward collision warning.

  • Verified Lease Return

    A single-owner lease return with a transparent maintenance record and verified condition.

  • Modern Tech & Comfort

    Panoramic sunroof, Apple CarPlay, Android Auto, and a spacious interior for all your drives.