You can, indeed, refinance a car lease. But it will be complicated. Especially if you want to refinance early in the lease period when the car has lost the greatest amount of value and you’re probably upside down in your contract. Worse, leases often have termination fees that kick in if you want to reshape your deal. If you’re determined, contact the leasing company for a lease-payoff price tag. Take that number and details about the car to banks, credit unions, or other car financing companies. An actual lease refinance may be hard to nail down, but you might be able to score a refinance loan that allows you to buy — and ultimately own — your car..