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Is it easier to lease or buy a car with bad credit?

Leasing is often easier to get approved for than buying when you have bad credit. Because lease payments are typically lower than loan payments, lenders take on less risk per month. A lower monthly obligation means a lower debt-to-income ratio, which can tip the approval in your favor. That said, your interest rate (called the money factor on a lease) will still be higher with a lower credit score.

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Testimonials

What Our Customers Say

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Prompt, courteous, helpful, thorough. Highly recommended.
Prompt, courteous, helpful, thorough. Highly recommended.

Mitchel Bayer

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
My experience with Vantage Auto Group was wonderful! I unexpectedly had to get a new car and I was nervous about the process, but they made it extremely convenient, promptly found multiple options for me to choose from within my price range, went above and beyond to help me get the best interest rate when I eventually made my purchase, and delivered the new car right to my door! All of my questions and concerns were answered quickly and fully along the way, and I never once got the “icky car salesman” feeling that you might expect when making a big purchase like this. Sean U was my main contact and I can’t thank him enough for all of his hard work to help me find the perfect car. Purchasing a car through Vantage was a refreshingly seamless experience and I highly recommend using them for all of your car needs!
My experience with Vantage Auto Group was wonderful! I unexpectedly had to get a new car and I was nervous about the process, but they made it extremely convenient, promptly found multiple options for me to choose from within my price range, went above and beyond to help me get the best interest rate when I eventually made my purchase, and delivered the new car right to my door! All of my questions and concerns were answered quickly and fully along the way, and I never once got the “icky car salesman” feeling that you might expect when making a big purchase like this. Sean U was my main contact and I can’t thank him enough for all of his hard work to help me find the perfect car. Purchasing a car through Vantage was a refreshingly seamless experience and I highly recommend using them for all of your car needs!

Nicole Salge

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Very nice company. They helped me find the vehicle I wanted and helped sell my old car as well. Everyone in the company is great and very helpful explaining all the steps involved. Would highly recommend using them.

Very nice company. They helped me find the vehicle I wanted and helped sell my old car as well. Everyone in the company is great and very helpful explaining all the steps involved. Would highly recommend using them.

DreadBasil

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Smoothest car transaction I’ve ever experienced. Quick, yet detailed, responses to all my questions. It’s a process I always dread but Sean made it seem so easy and more affordable. Highly recommend

Smoothest car transaction I’ve ever experienced. Quick, yet detailed, responses to all my questions. It’s a process I always dread but Sean made it seem so easy and more affordable. Highly recommend

Ryan Murphy

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I had an outstanding experience leasing my car from Vantage Group. From start to finish, the process was seamless and stress-free. I wholeheartedly recommend them to anyone looking for a smooth and enjoyable car-buying experience!

I had an outstanding experience leasing my car from Vantage Group. From start to finish, the process was seamless and stress-free. I wholeheartedly recommend them to anyone looking for a smooth and enjoyable car-buying experience!

Stefanie Jurista

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
First-rate experience with Dave and the team at Vantage. We had several conversations walking through multiple options until we found the perfect fit for my wife. They were incredibly efficient, responsive, and provided true white-glove service.
First-rate experience with Dave and the team at Vantage. We had several conversations walking through multiple options until we found the perfect fit for my wife. They were incredibly efficient, responsive, and provided true white-glove service.

Zach Messing

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Front view of three luxury SUVs in blue, silver, and black, positioned side by side with the blue vehicle centered.
Vantage Auto Group is the best! They were supper helpful and made the process so easy. Will totally use them again and tell others!
Vantage Auto Group is the best! They were supper helpful and made the process so easy. Will totally use them again and tell others!

Todd Hergenhan

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alexandra monard

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Incredibly easy to buy a car. We found the one we want. All arrangements made on the phone. The car was seamlessly delivered to our house. Very smooth process!!

Incredibly easy to buy a car. We found the one we want. All arrangements made on the phone. The car was seamlessly delivered to our house. Very smooth process!!

Todd Krell

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