Received a PCS? What Happens to Your Chevy Lease or Financing?

If you’re a service member stationed in the Newport News area, a Permanent Change of Station (PCS) can raise questions about your Chevrolet lease or auto loan. At Casey Chevrolet, we understand the unique needs of military families and want to help you navigate your vehicle obligations with clarity and support. Whether you’re staying stateside or heading overseas, here’s what you should know.

How Do I Transfer My Chevrolet Lease or Loan to a New Location?

As proud members of the Hampton Roads community, we understand that receiving a Permanent Change of Station (PCS) is a part of life for our military friends and neighbors. We’re here to help make your relocation as smooth as possible.

First, contact or visit our dealership to inform us about your new address. Our finance department can ensure GM Financial Services is updated with your current contact information. You’ll also need to let your automotive insurance company know that you’re moving so they can update your coverage.

Finally, you’ll need to review your new location’s tax, inspection, and registration requirements. Many states have different rules and guidelines you’ll need to abide by, though most also offer a grace period so you have a few weeks or months to get all your information updated and transferred.

What Happens to a Loan?

If you’re deploying within the Continental United States (CONUS), your loan can continue as before. If you’re headed on an overseas deployment, you’ll have to either sell the vehicle through a private sale or sell it through the dealership.

What Happens with a Lease?

If you’re transferring within CONUS, your lease continues as before. You can get out of it, but you’d have to pay an early termination fee. If you’re going overseas, the Servicemembers Civil Relief Act (SCRA) requires the lessor to terminate the lease. Your dealer, or GM Financial Services, will help you with this process if you’ve leased through us.

Frequently Asked Questions

Can I turn in my leased vehicle if I receive PCS orders?

If your PCS orders are for deployment outside the continental U.S. for more than 180 days, federal law allows you to terminate your lease without penalty. Make sure to provide a copy of your orders when initiating the process.

What if my PCS is within the U.S.?

A domestic PCS does not provide the same lease protections under the Servicemembers Civil Relief Act (SCRA). You’ll need to contact your lease provider to discuss your options, which may include transferring the lease or paying early termination fees.

Does a PCS allow me to cancel my auto loan?

Unfortunately, no. A domestic or overseas PCS does not affect your obligation to repay an auto loan. If you’re headed overseas, you may want to sell your vehicle back to the dealership, while lessees might consider having their vehicle transported to avoid mileage overages.

What documents do I need to show for lease termination?

To terminate a lease under SCRA, you’ll need a copy of your PCS orders and any documentation your lease provider requires. It’s best to contact them directly to confirm.

Can Casey Chevrolet help me find solutions if I’m relocating?

Absolutely. Our team can assist with lease returns, provide options for selling or trading in your vehicle, and help you explore new options that fit your new location.

Casey Chevrolet Answers Your Lease and Finance Questions

A PCS brings many changes, but your vehicle lease or loan doesn’t have to be a source of stress. Casey Chevrolet is proud to support our military community with honest guidance and flexible solutions. If a PCS is in your future, contact our team so we can help you understand your options.