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A simple Answer TO yOUr Question

Why is the FICO score on my credit card app different from what dealers see?

Auto lenders use specialized FICO Auto Score models — specifically FICO Auto Score 8 or 9 — which weight your auto loan and lease history more heavily than generic FICO scores. The score your credit card app displays is usually a generic FICO 8 or VantageScore 3.0, which may be calculated differently. The two can differ by 20 to 50 points in either direction. You can purchase access to your FICO Auto Score through myFICO to see the version lenders are most likely to use.

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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!

Download the guide below, plus we've sent a copy to your inbox.

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Red luxury coupe SUV with tinted windows on a race track with red and white curbs.

Affordable Cars Available Now

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Cars Under $20,000

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Shop Great Deals

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Delivery by Monday

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Shop Fuel Efficient

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Silver Kia Niro SUV driving on road with pink blurred flowers in foreground.

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Value Tracking

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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.

Silver Kia Niro SUV driving on road with pink blurred flowers in foreground.

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Electric SUV driving on a winding mountain road at sunset with hills and greenery surrounding.

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Insurance Coverage

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Effortless to buy and personalized to you, with coverage deals with Vantage.

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Testimonials

What Our Customers Say

People come for the number. They stay for how easy we make it.

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I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,

I am a 79 year old man. So by this time I have had plenty of cars and dealings with car salesmen/brokers. Vantage Auto Group is far above the rest. Their responsiveness and aim to please the customer is incredibly rare. I would recommend them to anyone interested in buying or leasing a vehicle,

Martin Blaustein

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I'm very happy to have chosen Vantage AutoGroup..made my buying experience very easy.met my expectations..thank you Omar and the rest of the team.

I'm very happy to have chosen Vantage AutoGroup..made my buying experience very easy.met my expectations..thank you Omar and the rest of the team.

jose cruz

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I’ve had multiple transactions with this dealership and every experience has been excellent. The team is professional, responsive, and consistently follows through on everything they promise. From the initial conversation to delivery and post-sale support, the process has always been smooth and transparent. It’s clear they value long-term relationships, not just one-time sales. I will continue to come back because I trust them

I’ve had multiple transactions with this dealership and every experience has been excellent. The team is professional, responsive, and consistently follows through on everything they promise. From the initial conversation to delivery and post-sale support, the process has always been smooth and transparent. It’s clear they value long-term relationships, not just one-time sales. I will continue to come back because I trust them

Mike Liloia

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I just had a really great experience with Deborah getting a new car. The whole experience could not have been easier. I highly recommend and will definitely be working with them again.

I just had a really great experience with Deborah getting a new car. The whole experience could not have been easier. I highly recommend and will definitely be working with them again.

Timothy Norsworthy

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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

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Great working with Mark and the whole Vantage team

Great working with Mark and the whole Vantage team

Patrick Ryan

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alexandra monard

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Vantage made the leasing process so easy and worked closely with us to get my wife the exact car she wanted!! We were thrilled with the customer service from Jess and David, and love the car!!

Vantage made the leasing process so easy and worked closely with us to get my wife the exact car she wanted!! We were thrilled with the customer service from Jess and David, and love the car!!

Ari Shenkman

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Deborah went out of her way to help us and took our needs into account. We are very happy with the car Deborah found for us and thought we would like. . . . and she was right!

Deborah went out of her way to help us and took our needs into account. We are very happy with the car Deborah found for us and thought we would like. . . . and she was right!

B Hirschman