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How to Lease a Car or Truck with a Weak Credit History


Can I Lease a Car Without a Good Credit Score?

Wondering if you can lease a vehicle with bad credit? Well, you’ll be glad to know that the answer is yes. But, it’s not always easy. However, with a little research, some wise shopping, and understanding where your credit stands, it isn’t impossible. The following are some concepts and ideas brought to you by industry experts that can help evolve the distressed buyer into a clear-eyed consumer.

Understand Your Credit Score

Your official credit rating is a snapshot of your ability to take care of your credit obligations. The credit profile is a glimpse of your exact standing at the moment of research. Conversely, your credit report is a complete summary of your history as a consumer and debtor. Plus, be aware that each time you run a credit check can negatively affect this score. It certainly can help to get a copy of the report and bring it to the dealership when you visit.

Credit scores start at 300 and go up to 850. Anything under 620 is classified as a “subprime score”. Generally speaking, the minimum credit score needed for leasing a car or truck is 700.

Come to Grips with Your Options

Even if you’ve got bad credit, or might be leasing a car without any credit, rationally you probably won’t be bringing home your dream machine. However, with bad credit, cheaper vehicles should be less difficult to qualify for. Some leasing companies specifically work with applicants with poor credit. Indubitably, there are car lots that work with all kinds of credit scores.

Choose a Vehicle Model that Dealers May Be Most Interested in Leasing

If you’re struggling to find somewhere to lease a car with bad credit, then it’s just like anything else – you may need to broaden your search. Vehicle manufacturers generally release new models and trims at the end of each year. As a result, most dealerships will probably not want older models taking up valuable room on their lots. Instead of continue to lose money, they’ll likely be interested to unload. This can be a boon for those with a low credit rating.

Prove Your Steady Income

How about bad credit without a co-signer? You likely won’t be approved for a lease without proof of income. All is not lost, however – there is such a thing as bad credit car leasing. Arrive at the dealership or leasing agent with actual proof of your consistent salary, copies of pay stubs and evidence of an income that is more than sufficient to take care of your monthly debts. Indicate that you are working to improve your inferior credit score, and even include personal and professional references. Verification of previous leases you’ve had with excellent payment history. If not a car lease, a house may impress as well.

Save for a Greater Down-Payment

Down-payments are a strong reason for leasing agents when they figure out your choices. On average, those with perfect credit will qualify for a no money down vehicle lease. For those with less impressive credit, however, the option for handing over a large down-payment may greatly improve your ability to acquire an ideal car lease.

How to Lease a Vehicle with Weak Credit | Mike Smith Chrysler Jeep Dodge Ram

Mike Smith Chrysler Jeep Dodge Ram 30.05787, -94.13653.