If your copier payments go to Financial Pacific Leasing, often shown as FinPac, and the end of your term is getting close, this guide walks you through it. We cover who Financial Pacific is, what the company itself publishes about end-of-term options and payoffs, and which parts of your agreement control the rest. Where we could not confirm a term from a public source, we tell you so and point to the clause to check.
Who Financial Pacific Leasing is
- Location and focus. Financial Pacific Leasing, Inc. is based in Federal Way, Washington. Its website describes it as a direct provider of small-ticket commercial equipment leases that works mainly through third-party originators, meaning brokers, lessors and equipment vendors. [1][2]
- Bank ownership. Financial Pacific joined Umpqua Bank in 2013. [2] Umpqua’s parent later combined with Columbia Banking System in 2023, and Umpqua Bank changed its legal name to Columbia Bank on July 1, 2025, with the public brand switching on September 1, 2025. [4] Financial Pacific now describes itself as a subsidiary of Columbia Bank, which is owned by Columbia Banking System, Inc. of Tacoma, Washington. [1][2]
- What this means for you. Because Financial Pacific works through originators, the company that sold you the copier and the company you pay each month may be different. Your agreement, or an assignment notice, will show Financial Pacific as the lessor or the party you pay.
How lease end usually works with Financial Pacific
Financial Pacific offers several options at the end of the term. Columbia Bank’s equipment finance page, which covers Financial Pacific, says that depending on how the lease is structured you can typically buy the equipment or return it, and that Financial Pacific staff can explain your choices. [6] Contacting Financial Pacific customer service early is the easiest way to confirm your options.
Your end-of-term options. Financial Pacific’s FAQ says that with a lease, the lessor holds title to the equipment, and there is usually a buyout option at the end of the term based on the equipment’s residual value at that time. [5]
Purchase option types. Financial Pacific’s public pages do not list which purchase option structures it offers, such as a $1 option, a fixed percentage option or a fair market value option. Your option is written into your agreement, usually on the first page or in an “end of term” or “purchase option” section.
Requesting a buyout quote. If your agreement names a fixed amount, that controls. When you request a quote from Financial Pacific, ask what the figure includes so you can compare it with your other options.
Notice, and what happens if no option is chosen. We could not verify a standard notice window or renewal term for Financial Pacific from a public source. Find the clause titled “renewal,” “end of term” or “notice.” It will usually say how many days before the end date to notify the lessor, in what form, and how the agreement continues if no option is chosen.
Returns. If you plan to return the equipment, ask Financial Pacific customer service for return instructions in writing before any equipment leaves your office, including where it goes and whether a return authorization number is needed.
Paying off early, including to upgrade. Financial Pacific’s FAQ explains how most early payoffs are calculated, and notes that third-party originators may have their own terms, so it suggests checking your contract. [5] Ask for a written payoff quote if you are considering an early change.
Questions about your invoice. Depending on your agreement, invoices can include items like property tax or insurance. Financial Pacific’s Customer Resource Center or customer service can explain each line.
Protect your data before any return
Whatever you decide, plan for the data on the device before it leaves your office. This step applies to any copier return, with any lessor. Many copiers and multifunction printers store data on a hard drive or other internal storage.
- Plan drive wiping or removal with your dealer or IT team before the machine is picked up.
- Ask for confirmation in writing that the work was done.
- Follow the FTC’s guidance on copier data security. It suggests checking your agreement for hard drive terms and having a qualified technician handle the drive instead of removing it yourself. [7]
Your 120-90-60 day checklist
- About 120 days out: find your signed agreement. If you do not have it, ask Financial Pacific customer service at 800-447-7107 for a copy. [9] Note the contract number, end date, purchase option and exact notice language.
- Confirm who you pay. Check whether the lease was originated by a dealer or broker and assigned to Financial Pacific, and whether any of the originator’s terms still apply.
- List your equipment. Match serial numbers on the schedule to machines in your office.
- About 90 days out: choose a direction. Buy, renew, return or replace. Compare your current print volume and needs with what the machine does today.
- Request a written buyout quote from Financial Pacific, even if you expect to return. It gives you a clear number to compare.
- Send any required notice exactly as written. Use the address and method the clause names, keep a copy, and keep proof of delivery.
- About 60 days out: get return instructions in writing. Ask where the equipment goes and whether a return authorization number is needed.
- Schedule the data wipe. Ask your dealer or IT team to wipe or remove the drive, get written confirmation, and follow FTC guidance. [7]
- Plan the overlap. If new equipment is coming, set the install date before the old machines leave.
- After the return: close it out. Keep carrier receipts and any confirmation, and check that your account reflects the option you chose.
Upgrading instead of returning
If your office has outgrown the machine, an upgrade may make more sense than a straight return. A partner dealer can review your options, including how the current Financial Pacific balance would be handled under the payoff terms above and how timing fits your end date. Ask for the payoff handling and return logistics in writing, and compare it with your own buyout quote from Financial Pacific. We do not promise any particular result, since every agreement is different.
Financial Pacific copier lease FAQs
Is FinPac the same as Financial Pacific Leasing?
Yes. Financial Pacific Leasing uses the FinPac name on its website and published documents. [1][8]
Is Financial Pacific part of Umpqua Bank or Columbia Bank?
Financial Pacific joined Umpqua Bank in 2013, and Umpqua Bank is now named Columbia Bank. Financial Pacific describes itself as a subsidiary of Columbia Bank. [2][4]
What are my options at the end of a Financial Pacific lease?
Depending on how the lease is structured, you can typically buy the equipment or return it, and Financial Pacific staff can explain your choices. [6] Your purchase option is written into your agreement.
Can I pay off my Financial Pacific lease early to upgrade?
Financial Pacific’s FAQ explains how most early payoffs are calculated. [5] Ask for a written payoff quote and check your contract, including any terms from the dealer or broker that originated it.
How do I ask about a line on my invoice?
Depending on your agreement, invoices can include items like property tax or insurance. Financial Pacific’s Customer Resource Center or customer service can explain each line.
How do I contact Financial Pacific?
Customer service is 800-447-7107, 7:00 a.m. to 5:00 p.m. Pacific Time, and the company also lists service@finpac.com. Its Customer Resource Center is at finpac.com. [8][9]
Check your lease before the deadline
Not sure what your lease says, or how much time you have? Use our free Lease End Check to organize your dates and options. If you are thinking about new equipment, you can also request a commercial copier lease quote.
1-800 Office Solutions is not affiliated with Financial Pacific Leasing. This guide is general information, not legal advice. Your lease agreement controls.