A simple Answer TO yOUr Question
Does my credit score affect the money factor?
Yes. Manufacturers set different money factors for different credit tiers. Tier 1 (typically 720+) gets the lowest base money factor. Tier 2 (680-719) gets a slightly higher rate. Lower credit tiers get progressively higher money factors, which increases your monthly payment. The tier cutoffs and rate differences vary by manufacturer and can change monthly.
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The Smart Buyer's Guide to Leasing vs. Buying in 2026
Discover:
✓ When to lease vs. buy
✓ Hidden fees to watch for
✓ Tax benefits for business owners
✓ Current manufacturer incentives
Smart move!
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Value Tracking
No credit impact, view Get personalized insights on your car’s value, so you can time your next car with the most savings.real payments while shopping.
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Insurance Coverage
Effortless to buy and personalized to you, with coverage deals with Vantage.
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600+ Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
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Outstanding service and experience!Many thanks Sean for getting me a great deal and hassle-free experience. 👍👍
Outstanding service and experience!Many thanks Sean for getting me a great deal and hassle-free experience. 👍👍
Sinuhe Valle
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This was the easiest lease that I have done so far. Best part is no back and forth, hours at the dealer and car was delivered to me :)Thank you Sean for all your help!
This was the easiest lease that I have done so far. Best part is no back and forth, hours at the dealer and car was delivered to me :)Thank you Sean for all your help!
Gina Rodrigues
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Josh Miller
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My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah
My car leasing experience with Vantage was fantastic. Sean took an overwhelming decision and process and made it so easy. He was available morning, noon, and night as well as weekends. He never pressured me and simply gave me facts and possibilities and recommendations. The experience was really amazing from the start and I’m extremely grateful for his help in making the car leasing process manageable. I would recommend him to anyone and everyone looking to buy or lease a car. Sarah
Sarah Lieberman
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The experience was great working with Dave and his team. I hate buying cars but this changed it for me - Thanks everyone!
The experience was great working with Dave and his team. I hate buying cars but this changed it for me - Thanks everyone!
Michael Fonseca
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alexandra monard
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Another five star experience!!! This is the 3rd car I’ve purchased through David and the crew at Vantage. No hassle, no bait and switch, no high pressure sales tactics or incessant follow up phone calls like with a traditional dealership. A few phone conversations with David, and he finds the car you want, with the trim package you want, at the best possible price. Delivery is convenient and the crew are always the constant professionals, taking the time to go over vehicle features and getting you setup to go…. Cant say enough.
Another five star experience!!! This is the 3rd car I’ve purchased through David and the crew at Vantage. No hassle, no bait and switch, no high pressure sales tactics or incessant follow up phone calls like with a traditional dealership. A few phone conversations with David, and he finds the car you want, with the trim package you want, at the best possible price. Delivery is convenient and the crew are always the constant professionals, taking the time to go over vehicle features and getting you setup to go…. Cant say enough.
Rob Ellmyer
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David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
Joseph Bestreich
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David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
David Goldstein and his team are great. He was always available and responsive whenever I voiced a concern. He was quick to answer questions, which was extremely helpful it making decisions as I did not need to wait long to connect with him. I highly recommend connecting with David the next time you are looking for a vehicle!
Joseph Bestreich