(860) 505-0708
FREQUENTLY ASKED CAR LEASING QUESTIONS
FAQs
Everything You Need to Know About Leasing with LTO Auto
We offer a wide range of vehicles, from economy models to full luxury, to meet every customer's unique needs and preferences.
No. All costs are fully disclosed upfront and clearly explained during the lease process, so there are no surprises along the way.
Yes. Full insurance coverage is required to protect both you and the vehicle throughout your lease, ensuring peace of mind on every drive.
If you miss a payment, we provide a short grace period and send a reminder. Our team will work with you individually to help resolve the situation. If payments remain unpaid, the vehicle may be temporarily disabled until the balance is cleared. Continued non-payment can result in the car being repossessed and the lease terminated.
Yes, in many cases this is possible. Vehicle changes are reviewed on a case-by-case basis at the discretion of LTO Holdings, LLC.
Yes! Buyout terms are fully disclosed upfront as part of your lease agreement, so you’ll always know your options when the term ends.
You won’t need a co-signer. Every customer qualifies on their own terms, making the process simple and straightforward.
Your lease includes a warranty for added peace of mind. If your vehicle needs maintenance or repairs, simply bring it back to our New Britain location. All service work must be completed through LTO Holdings, LLC to ensure quality and coverage.
testimonials
See Why CT Drivers Trust LTO Auto for Their Lease Needs

"Hello evey1!! I would like to give a special thanks to Kathy & Steph Here at LTO Auto for a great experiance leasing my very 1st car!! Kathy looked out and took special care finding me EXACTLY what I wanted and got me a car with lower milage!! I am so happy with their professionalism, caring and politeness with my undecisive self!! Thank you so much for everything y’all did to help me!! BTW I ❤️❤️❤️my new car!!"
Emanuela F.
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"Great service, staff was very helpful and friendly."
Mike W.
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"Ryan was very friendly. He made my experience very smooth as well as the process. I’m in love with my car"
Brenda A.
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"Josh and Crystal helped me out so much after my car was totaled, went to Ace the very next day for a car and they made my first time renting a car such a easy and worry free process!"
Alexis O.
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"This is my second car from the LTO auto and will go back and buy again from them . This is the only place for people who can’t afford to get a loan from bank and need a car you can go to LTO Auto and get a brand new car or suv with just a down payment. This is an excellent program for people with low credit score and can’t get approved for a car loan, thanks to the business owner for starting this program and helping people with giving them cars so they can get to work and provide for their families. Te staff is very helpful and friendly."
Choudhry K.
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"I leased a vehicle from LTO Kathy Ellison has gone above and beyond to assist me in all my needs concerning payments repairs or rentals . She is an outstanding member of this company ."
Maryanne Z.
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"Randy has been great! He was patient and worked with me through a rough time in my life!"
A Edwards
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CONTACT US
Let’s Get You Driving. Talk to the Team That Gets You Approved!
We make car leasing simple, even if your credit isn’t perfect. Reach out today, and let’s find the right ride for you.

Phone Number
(860) 505-0708
Location
549 South St New Britain, CT 06051