Newest agent, Arco, accelerates transactions and scales sales without sacrificing service

Lease End, the fintech company transforming the auto lease buyout process, today launched its AI Constellation, a proprietary suite of in-house AI agents built to solve operational gaps and serve more drivers. Designed and developed entirely by Lease End’s in-house technology team, these agentic systems automate and personalize the entire buyout journey, from lead generation to deal closure, and are already driving significant business results.

The latest addition, Arco™, is a voice-powered sales agent that guides drivers through financing terms, answers questions, and completes buyouts without human intervention unless requested by the driver. In early testing, it matched or exceeded top-performing human reps in closing rates, upselling high-value products, and delivering consistent, high-quality service.

“Everything we build starts with the driver. Our AI Constellation has to produce value for both the driver and the business,” said Dave Williams, CTO of Lease End. “We follow two key guidelines for every AI agent we build: it must perform as well as or better than a human, and it must advance our business objectives, typically by driving revenue or improving operating efficiency. That way, the process becomes faster, easier, and more transparent, while our team continues to scale without losing the human touch or sacrificing customer service.”

Once a driver submits a completed credit application, Arco initiates a live call, presents approved financing options, explains value-added products like GAP coverage and service contracts, verifies details, and even collects documents via text. In early testing, Arco matched or exceeded the performance of Lease End’s top human reps, handling objections, cross-selling key products, and closing transactions, while offering a seamless handoff for those who preferred a human. However, most drivers were happy to continue with the AI when it was clear, responsive, and helpful.

Other agents in the AI Constellation include:

• Thunder™: A high-performing outbound AI agent responsible for over 15% of new business by initiating personalized text conversations that drive qualified leads to the sales team.
• Automatic AI™: A self-service lease buyout calculator providing real-time monthly payment estimates based on minimal input.
• Tater Taught: Named for the founder’s grandfather, who helped introduce the world to tater tots, this is an internal AI grader and coach that evaluates both human and AI calls for compliance and performance, while providing live feedback to ensure compliance.

“We’re not building standalone tools,” said Zander Cook, co-founder and CRO of Lease End. “We’re creating a coordinated AI ecosystem that supports every stage of the customer journey and strengthens our team internally. Every agent is built in-house to deliver measurable results.”

Arco was born from a company hackathon in Heber Valley, Utah, where a two-person development team built the first prototype over the course of a weekend. Within weeks, it was closing deals and consistently outperforming expectations. Today, despite still being in a limited rollout, it boasts conversion rates that rival those of top-performing human representatives, delivering both efficiency and consistency.

“This is just the beginning,” said Cook. “We see a future where every human advisor has their own team of AI assistants. It’s going to transform how we serve drivers and scale our business.”

About Lease End

Based in Burley, Idaho, Lease End is a fintech company empowering auto lessees with the technology to easily and confidently exit their leases. Founded in 2021 with a mission to simplify the lease buyout process, Lease End provides drivers with the tools and resources to make decisions that are truly best for them. By replacing the dealership-driven leasing cycle with a transparent and accessible alternative, Lease End delivers a modern, driver-first experience. Through seamless technology, competitive financing options, and trusted support, Lease End helps drivers avoid unnecessary fees, unlock equity, and transition from leased vehicles to ownership without the headache.

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Lease End launches AI Constellation, a suite of homegrown AI agents that streamline auto lease buyouts. New voice-powered agent Arco matches top human reps in closing rates while scaling service.