We’re still open! Click here to learn more

Call
Hours & Maps

Get Hours and Directions

x

13101 N. Kelley Ave, Oklahoma City, OK, 73131

Get Directions dealer map

Dealership Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Sat8:30 AM - 9:00 PM
  • SunClosed
Service Hours:
  • Mon - Sat7:00 AM - 7:00 PM
  • SunClosed
Parts Hours:
  • Mon - Sat7:00 AM - 7:00 PM
  • SunClosed
Service

How to Lease a Vehicle with a Weak Credit Score

LEASE A car WITH bad CREDIT

Can I Lease a Car or Truck Without a Great Credit Score?

Curious to know if you can lease a car with bad credit? Well, you’ll be relieved to be told that yes is the answer. But, it’s not always easy. With a little research, however, some intelligent shopping, and knowing where you and your credit stand, it can be done. The following are some ideas and concepts brought to you by automotive professionals that can help evolve the distressed buyer into a keen-eyed consumer.

Come to Grips With Your Credit Profile

Your official credit score is an indicative summary of your standing as someone who takes care of their credit payments. It is a glimpse of your precise standing at the instant of research. Your credit report, on the other hand, is a full summary of your history as a debtor and consumer. Plus, be aware that each time you run a credit check can negatively affect this rating. It certainly can’t hurt to get a copy of your report and bring it to the dealer when you visit.

Credit scores start at 300 and go up to 850. Anything below 620 is classified as a “subprime score”. The minimum credit score required for leasing most cars or trucks is 700, typically.

What One Can Expect

Even if you’ve got ugly credit, or may have to lease a car without any credit, rationally you most likely will not be getting your dream car. However, with ugly credit, cheaper vehicles should be less challenging to qualify for. Some leasing agents specifically only work with applicants with ugly credit. Indeed, there are car dealers that work with all types of credit scores.

Target a Car Model that Dealers May Be More Eager to Lease

If you are struggling to find somewhere to get a car with bad credit, then it’s just like anything else – you may broaden your search. Car manufacturers generally release new models towards the end of each year. As a result, dealerships will probably not want outdated models using up room on their lots. Rather than continue to lose money, they’ll most likely be interested to unload. This can be a good time for those with a poor credit rating.

Verify Your Regular Income

What about low credit without a co-signer? You simply won’t be approved for a car lease without income. All is not lost, however – there is such a thing as bad credit car leasing. Produce actual proof of your steady income, copies of pay stubs and evidence of an income that is more than sufficient to take care of your monthly debts. Demonstrate that you are working to improve your bad credit profile, and even include personal/professional references. Verification of prior leases you have had with perfect payment history. If not a car lease, a mortgage may impress as well.

Put Money Away for a Greater Down-Payment

Down-payments are a significant reason for leasing companies when they determine your options. Generally speaking, those with excellent credit will qualify for a zero money down car lease. However, for those with less than perfect credit, the option for handing over a large down-payment will significantly improve your chances of an ideal car lease.

How to Lease a Vehicle with Weak Credit | Bob Howard Acura
 

Cars logo
Cars Oct 17, 2020

Tony does a great job! He is professional, competent, and friendly. Best I have worked with. Takes time to explain. Top quality! Quality service department. PurchaseD my last three cars from Bob Howard Acura.

Read at Cars

Cars logo
Cars Oct 17, 2020

Fast and honest. You can trust Bob Howard. Going for service repairs can create anxiety Bob Howard's team is very reassuring.Take my word for it.

Read at Cars

Google logo
Google Oct 14, 2020
Google logo
Google Oct 13, 2020

Del was very courteous, honest and helpful. I appreciate the fact that he let me make up my own mind and didn’t try to push anything at me. The entire experience was very pleasant.

Read at Google

Cars logo
Cars Oct 13, 2020

Jeff is my service representative and is always great To deal with from check into driving off. He keeps me posted throughout the day by phone and text. He’s great! Thanks, Jeff

Read at Cars

Saved Vehicles

SAVED VEHICLES

You don't have any saved vehicles!

Look for this link on your favorites:

Save

Once you've saved some vehicles, you can view them here at any time.

Contact Us

(405) 753-8770

Call Now

13101 N. Kelley Ave • Oklahoma City, OK 73131

Get Directions

Today's Hours:

Sales: Closed

Service: Closed

Parts: Closed

Bob Howard Acura 35.6030368, -97.4968194.