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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 aim is to assist you make smarter financial decisions by providing you with interactive financial calculators and tools as well as publishing original and impartial content. We also allow you to conduct research and to compare information at no cost to help you make informed financial decisions. Bankrate has partnerships with issuers including, but not limited to American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make money The products that are advertised on this website are provided by companies that compensate us. This compensation may impact how and when products appear on the site, such as the sequence in which they be listed within the categories of listing, except where prohibited by law. This applies to our mortgage, home equity and other products for home loans. This compensation, however, does affect the information we provide, or the reviews that you see on this site. We do not cover the entire universe of businesses or financial offers that may be available to you.



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3 minutes read. Published March 03, 2023
Writer: 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 the end of 2021. They are enthusiastic about helping readers gain confidence to take control of their finances through providing precise, well-researched and well-sourced information that breaks down complex topics into manageable bites.









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If you have bad credit or no credit at all can present an obstacle when it comes in leasing a car. However, there are many other ways to get driving a new car -- even if you don't have a perfect credit history. You are able to get back on the road by agreeing to a higher down payment, finding an additional co-signer, or even taking over another lease. The impact that credit has on leases there is no credit score, or a low score, does not necessarily keep you from leasing, it could require a larger down payment or more frequent monthly payments overall. This is due in part to the higher interest rates that leasees with lower credit score are eligible for. The average credit score for drivers leasing a new vehicle is 734 as of the 4th quarter in 2022. That's an increase of two points from the three-quarter period of the year 2021 according to . The score falls into the category of "prime" -- that ranges from 661 to 780. 3 ways to obtain an auto lease without credit If you are just beginning to get started and do not have a credit history, there are some options to help you get the car you want to lease. Furthermore, once you do get an agreement, monthly payments will help you establish credit. If you decide to lease again you could receive a lower interest rate and pay less. 1. A bigger down payment In in addition, it can reduce the overall expense of leasing for the duration, and thus the monthly payment and the ability to pay extra on a down payment can 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 as well as a greater interest rate than average because your lease is considered to be higher risk," says Steve Sexton the CEO and financial consultant Sexton Advisory Group. Sexton Advisory Group. 2. Find a co-signer A different option for getting a lease with no credit is to get the co-signer. A co-signer with a valid qualification, who should have good to excellent credit will assume the obligation of paying the lease if you are unable to. Co-signing provides a guarantee to the lender that the loan will be paid, regardless of your credit historyor absence of it. "Having a co-signer with excellent to excellent credit helps to minimize the overall risk as the cosigner will be responsible for fulfilling the lease's monthly payments in case you're unable to," says Sexton. To improve the odds that this strategy will succeed co-signer must have a minimum credit score of 670 or higher according to Sexton. Remember that not making payments can be a problem for your co-signer along with yourself. 3. The option of taking over a lease over an existing lease is a last method to obtain the lease without credit. Instead of going through your leasing provider directly, approach a leaseholder to inquire about . While the car company still does a credit check and lenders will be more willing to work with you since taking over a lease usually occurs when the other person is at risk of being in default. "Taking over a car lease increases the chance of leasing a car with no credit , as it helps reduce the risk to those who are the lender," says Sexton. "There's also the possibility that you'll save money on a car lease in the end by using this option because if you take over a car lease from an existing leasee, you could gain from what they've already financed on the car." There could also incentives that are designed to make taking over a lease more attractive and include transfer fees covered. In the end, even with no credit history it is possible to lease an automobile. Be sure to boost your chances of getting approved prior to making a trip to the dealer. There are ways to increase the chances of being granted a lease by saving the money for a bigger down payment, finding someone with a solid credit history who will be willing to co-signer, or by taking over the lease of a friend or relative. If neither of the above options are working, you can begin to build your credit history and reapplying at a future date. Learn more


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Writer: Cheryl Knight



The edit was done by Rhys Subitch Edited by Auto loans editor

Rhys has been writing and editing for Bankrate since the end of 2021. They are passionate about helping readers gain the confidence to take control of their finances with clear, well-researched information that breaks down complicated subjects into bite-sized pieces.






Auto loans editor




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