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FAQs

Frequently Asked Questions

Welcome to Orbit Leasing. Thank you for allowing Orbit to assist you with your transportation needs. We are pleased to have you as our customer and look forward to a lasting and mutually rewarding relationship. Following are answers to frequently asked questions regarding your Orbit Lease Agreement.

How do I make my monthly lease payment?

For your convenience, Orbit Leasing offers a number of payment method options. Payments may be made by Check, Money Order, Credit/Debit Card, MoneyGram Express, Western Union Quick Collect, online or using a mobile device, or by authorizing automatic payment withdrawal from a checking or savings account. Click here to see the ACH Agreement Form. For your protection, Orbit Leasing does not accept cash payments. Click here to see more information on different ways to pay. Regardless of payment method, each monthly payment is due in full on or before the payment due date; there is no grace period. If, for any reason, you are unable to fulfill this requirement of your lease, you must contact Orbit Leasing prior to your payment due date at 800-734-0170. Orbit Leasing provides payment coupons you can find on our site by clicking here. You can fill out your coupon with your information including name, lease number, current address, and payment amount. Please send the coupon with your payment when paying by check or money order to ensure your account is credited properly. 

What about the electronic locating and disabling device installed on my vehicle?

As you know from the Customer Agreement and Disclosure Statement you signed at your dealership, an electronic locating and disabling device has been installed on your vehicle. Under the terms of your lease, you have agreed not to tamper with, disable or remove it or allow someone else to do so. This device allows Orbit to locate your vehicle and, should you be in default of your lease, render your vehicle inoperable. The electronic locating and disabling device also helps protect your vehicle from theft. You may wish to contact your insurance company to determine if this qualifies you for a discount on your insurance.

What are my vehicle insurance requirements and responsibilities?

The Orbit Lease Agreement sets forth all requirements regarding insurance coverage. You are required to maintain both liability and physical damage insurance. Your policy must name Orbit as Lienholder, Loss Payee/Lessor, and Additional Insured. Your deductibles cannot exceed $1,000. Failure to maintain full insurance coverage on your vehicle is a breach of your lease contract. If you received a letter stating you need to provide proof of insurance from Berkshire you will need to provide proof of insurance immediately. It can be faxed to us at 616-534-0132, or you can visit www.iminsured.com/ivr. If you are having trouble affording full coverage insurance you can always look at our CDW coverage we offer by clicking here. Keep in mind you must still carry PLPD on your vehicle. If you have any questions you can contact our office at 800-734-0170.

What are my responsibilities regarding maintenance and repairs?

A well maintained vehicle runs better, lasts longer, and costs less to operate. You are responsible for keeping your leased vehicle in good working order, making any necessary repairs, and having maintenance and service work performed. Routine maintenance includes oil and filter changes, inspections of belts and hoses, tire rotations, and checks of tire pressure. Service work may be covered by a manufacturer’s warranty or an extended service contract. You are responsible for making your regular monthly lease payment even if your vehicle is disabled due to repairs.

What about wear and tear?

Your lease allows for normal wear and tear; however, you are responsible for excess wear and tear to the vehicle. Normal wear and use includes such things as minor dings, dents, small scratches, small chips in the paint finish, and reduced tread on tires. Some examples of excess wear and use include broken or missing parts; dented or damaged body panels or trim; cuts, tears, burns or permanent stains of the interior fabric; cracked or broken glass; alterations that detract from the vehicle’s worth; and mechanical and electrical malfunctions.

Is there a mileage limit on my leased vehicle?

Your lease contract allows 20,000 miles per year. If the allowable mileage limit is exceeded an excess mileage charge may be assessed at the end of the lease term. 

How do I license my leased vehicle?

You are required to assume the responsibility and cost associated with the annual re-registration and re-licensing of your vehicle. Prior to your annual license plate and registration renewal date you will receive, from the State of Michigan, information regarding how to re-register and re-license your leased vehicle. Please renew your plates promptly.

What should I do if my vehicle is involved in an accident?

Contact your insurance company immediately to inform them of the accident.  You and your insurance carrier are responsible for repairing the vehicle.  During the time your vehicle is being repaired, you are still responsible for making your monthly lease payments. Should your insurance company determine your vehicle to be a total loss, you will need to immediately contact ORBIT to provide insurance carrier contact information to enable ORBIT to process a settlement with your insurance company.  You will be responsible for any applicable insurance deductible and for any past due payments or other charges up to the date of the total loss. If you are enrolled in the ORBIT CDW program and are involved in an accident contact ORBIT LEASING immediately.  Should ORBIT determine your vehicle is a total loss, the lease will end and you will pay a deductible of $500 and any amounts already due under the lease before the date of the loss. Should ORBIT determine the vehicle is not a total loss, we will make commercially reasonable efforts to repair any damage resulting from the vehicle loss within a reasonable time.  You will pay a deductible of $500.  You will need to continue to pay all amounts due under your lease even while you are waiting for repairs to be made.  

What should I do if my contact information changes or I move to a new address?

Please immediately notify Orbit Leasing of new phone or address information.  This will allow Orbit to maintain contact with you, and for any correspondence to reach you in a timely manner.  For your convenience, a change of address/contact information update form can be found here

What are my lease end options?

As your lease contract comes to the end of its term, you will receive a letter reminding you of your lease expiration date and setting forth your lease-end options and responsibilities.  Option 1: You can trade your vehicle in at Car City taking advantage of our Orbit Plus program offering great savings, and benefits. To learn more about our Orbit Plus Program click here. Option 2: You may purchase your vehicle for the amount determined at the beginning of your lease and listed on your contract. Option 3: You may return your vehicle paying any mileage overage, and the $200 disposition fee. ***It has come to Orbit's attention that a third-party has been soliciting Orbit customers nearing the end of their lease. This solicitation may not be your best lease-end option. Please be aware that all information from Orbit Leasing regarding lease-end options will be clearly identified as being from Orbit Leasing. Should you have any questions as to whether an offer you receive is from Orbit, please fell free to contact us at 800-734-0170.

  • Hours of Operation
    • Monday & Wednesday -- 8:00am - 7:00pm
    • Tuesday, Thursday & Friday -- 8:00am - 6:00pm
    • Saturday -- 9:00am - 1:00pm
    • Sunday -- Closed

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