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
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600+ Testimonials
What Our Customers Say
People come for the number. They stay for how easy we make it.
A+ across the board, David and his team are professional, upfront, and offer a service that is unmatched when buying a car.Highly recommended!
A+ across the board, David and his team are professional, upfront, and offer a service that is unmatched when buying a car.Highly recommended!
Alex Scarlett
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
Mary Morris
Great experience from start to finish with the team. Made the process very easy and worked with us through the whole process, answering any and all questions. And actually returned all phone calls and texts. Ended up with the car we wanted at the price we wanted.
Great experience from start to finish with the team. Made the process very easy and worked with us through the whole process, answering any and all questions. And actually returned all phone calls and texts. Ended up with the car we wanted at the price we wanted.
Jeremy Golden
Stacy Sackett
john vitale
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
From start to finish, it was a It was a “great experience buying a car“. Who knew? The people at Vantage were thorough and very quick.The Car was delivered into our driveway and a great guy got me signed up, paired up & familiar with the dash.I only wish I had some cash on me for a tip!
From start to finish, it was a It was a “great experience buying a car“. Who knew? The people at Vantage were thorough and very quick.The Car was delivered into our driveway and a great guy got me signed up, paired up & familiar with the dash.I only wish I had some cash on me for a tip!
Gerard McDonald
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