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How to lease a car with no credit history Advertiser Disclosure Advertiser Disclosure We are an independent, advertising-supported comparison service. Our mission is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content. This allows users to conduct research and to compare information at no cost and help you make sound financial decisions. Bankrate has agreements with issuers, including but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Earn Money The offers that appear on this site are from companies that pay us. This compensation may impact how and when products appear on this site, including, for example, the order in which they may appear in the listing categories in the event that they are not permitted by law. This applies to our mortgage, home equity and other home lending products. However, this compensation will not influence the information we publish, or the reviews that you see on this site. We do not cover the entire universe of businesses or financial deals that may be available to you.

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3 min read published March 03, 2023.

Cheryl Knight Written by Cheryl Knight Written by Cheryl Knight

Cheryl Knight

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since late 2021. They are enthusiastic about helping readers gain the confidence to control their finances through providing precise, well-researched and well-sourced information that breaks down complex topics into manageable bites.

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Being a victim of bad credit or no credit at all can present an obstacle when it comes in leasing a car. But there are other ways to get behind the wheel of an automobile even if you have less than perfect credit history. You could return to the road by committing to a bigger down payment, getting a co-signer or taking over another lease. The impact that credit has on leases While there is no credit score, or a low score, will not prevent you from leasing, it might necessitate a greater down payment, or greater monthly payments overall. The is mainly due to the higher interest rates those with a less credit score can qualify for. The credit score of those leasing new vehicles is 734 as of the 4th quarter in 2022, an increase of two points from the third quarter of 2021, according to . The score falls into the prime category — that ranges from 661 to 780. Three options to get a lease with no credit If you are just starting out and don’t have a credit history, there are alternatives to help you obtain an auto lease. Furthermore, once you’ve signed a lease, the installments help you establish credit. When you next lease you could receive a lower interest rate and lower payments. 1. A bigger down payment In in addition, it can reduce the overall cost of the lease over its duration and thereby your monthly payments and the ability to pay extra on a down payment could aid in obtaining a better credit score for the car lease. «Without having any history of credit, you can expect to pay a bigger down payment and a higher interest rate than average because your lease is thought to be more risky,» says Steve Sexton the CEO and financial consultant Sexton Advisory Group. Sexton Advisory Group. 2. You can also co-sign the lease. Another alternative to getting an unpaid lease includes getting a co-signer. A qualified co-signer, who must have credit scores of good to excellent will assume the obligation of paying the lease if you’re unable to. Co-signing assures the lender that the loan will be paid in spite of your past payment historyor the absence thereof. «Having a co-signer with good to excellent credit will help reduce the risk overall since the cosigner is accountable for making the monthly lease payments if you’re unable to,» says Sexton. To increase the chance that this method will be successful, the co-signer should be able to show a minimum credit score of 670 or better Sexton says. Sexton. Keep in mind that skipping payments can be a problem for your co-signer as well as yourself. 3. The option of taking over a lease the lease of an old one is one alternative to obtaining a lease with no credit. Instead of contacting your leasing provider directly, approach the leaseholder to inquire about . Although the car company does a credit check however, lenders are more likely to collaborate with you as taking over a lease usually is done when the leaseholder is at risk of being in default. «Taking over a car lease increases the chance of leasing a vehicle without credit since it helps reduce the risk for the lender,» says Sexton. «There’s also the possibility that you’ll save cash on a car lease in the long run via this option because if you buy the lease of an existing leasee, you could possibly benefit from the money they’ve already financed on the car.» There could incentives which are intended to make taking the lease over more appealing and include transfer fees paid. Bottom line, even having no credit history, it’s possible to lease an automobile. Make sure to increase your chances of getting approved prior to heading into the dealers. There are ways to increase the chances of being approved for a lease by saving an additional down payment, locating someone who has a well-established credit history who would be willing to co-signer or take over someone else’s lease. In the event that none of those options are working, you can start working on building your credit profile and then reapplying in the future. Learn more

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Written by Cheryl Knight

Edited by Rhys Subitch Edited by Auto loans editor

Rhys has been editing and writing for Bankrate from late 2021. They are committed to helping readers gain the confidence to take control of their finances by providing clear, well-researched information that breaks down otherwise complex topics into manageable bites.

Auto loans editor

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