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Can You Lease a Car with Bad Credit?

Customers from Brookings to Sioux Falls visit Brookings Auto Mall every day asking, “Can I lease a car with bad credit?” The answer is yes, you can lease a new car with bad credit – but there are several things to keep in mind. Every lender offers their own rates and options, and a credit score is usually the key to unlocking the best deals possible. However, leasing is a more flexible option that can actually be a more affordable option for those with poor credit history.

Is It Easier to Lease a Car with Bad Credit or Good Credit?

A driver with good credit will generally have an easier time securing loans or leases from any lender. That’s because a good credit score is the sign of a good credit history, which is considered lower risk for the lender. That translates into lower monthly payments and better interest rates. But that doesn’t mean you can’t lease a new car with bad credit. You just might have to consider a higher deposit or higher monthly payments – and this can still be much cheaper than a traditional auto loan.

How Do I Get the Best Deal Possible?

If you’re applying for a lease deal, there are several methods you can utilize to get a better deal. Consider the following:

  • Budget: Stick to a strict budget and don’t buy more car than you need. This ensures that you can afford your monthly payments without falling behind. Check out our payment calculator to crunch numbers.
  • Credit Score: Check your credit score to find out where you stand. This will help you make informed decisions during the shopping process.
  • Down Payment: Putting down a larger down payment or prepaying for the first few months can persuade the lender to give you a better deal.
  • Evidence: Proof of income, like several months of pay stubs, can show the lender that you have enough money to pay your lease.

Find Your Next Car with Brookings Auto Mall

Now you know the answer to “Can you lease a car with bad credit?”, but what if you still have questions about the process? Feel free to contact us in Brookings or apply for financing to get started!

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