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Why swap a lease? Not having enough funds to purchase a car outright, many consumers opt for a car lease agreement which has of course both advantages and disadvantages. However, after some time many of them become also interested in the possibility to swap a lease meaning terminate their lease agreement earlier by transferring the contract to another person. Secured or unsecured bad credit auto loans Bad credit auto loans can be of two types: either secured or unsecured. A secured loan means you provide some sort of collateral as a guarantee that you will be paying everything back, while an unsecured loan implies no collateral whatsoever.