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Is it better to lease or buy if I have a borderline credit score?

Leasing can actually be easier to qualify for on a borderline score in some situations, because the amount being financed is only the depreciation portion of the vehicle's value — not the full purchase price. That means a lower loan equivalent, which some lenders are more willing to approve. The tradeoff is that leasing with a higher money factor can still result in a payment that feels expensive. Buying may give you more lender options through credit unions and community banks. The right answer depends on your specific score, the vehicle, and current market conditions — worth running both scenarios before deciding.

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What Our Customers Say

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

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Great experience with Vantage. Was able to avoid the hassle of going to multiple car dealerships and the service was great. They Dropped off my new car, picked up my trade in and handed me a check. Will definitely use them in the future.

Great experience with Vantage. Was able to avoid the hassle of going to multiple car dealerships and the service was great. They Dropped off my new car, picked up my trade in and handed me a check. Will definitely use them in the future.

Stephen Stanton

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After 30 years of car buying this has been the best experience I’ve had. Sean has been helpful, resourceful and easy to work with. I’ll never go back to the archaic dealership process again.

After 30 years of car buying this has been the best experience I’ve had. Sean has been helpful, resourceful and easy to work with. I’ll never go back to the archaic dealership process again.

Jeremy Scheinker

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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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I've loved working with Vantage for my last two cars. It's so much better than having to go to multiple dealerships and haggle to get the right make, model and price you're looking for. Their customer service and quick turnaround to getting a car delivered to your door is incredible. Highly recommend them for your car shopping needs!!

I've loved working with Vantage for my last two cars. It's so much better than having to go to multiple dealerships and haggle to get the right make, model and price you're looking for. Their customer service and quick turnaround to getting a car delivered to your door is incredible. Highly recommend them for your car shopping needs!!

Scott Wolinsky

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Elka was an absolute pleasure to deal with!!! I loathe going to the dealer to get a car with the back and forth nonsense. Leasing a new car should be exciting and Elka made it exciting again. TY!!
Elka was an absolute pleasure to deal with!!! I loathe going to the dealer to get a car with the back and forth nonsense. Leasing a new car should be exciting and Elka made it exciting again. TY!!

Daniel Tichio

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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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great service! Absolutely the best group to work with when getting a new car
great service! Absolutely the best group to work with when getting a new car

Alexandra Chionchio

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David, Omar, and the team at Vantage are awesome! The process was only a couple of days and they were able to secure my lease with much better terms than what the dealer was offering direct. Would highly recommend working with them if you’re in need of a new lease!
David, Omar, and the team at Vantage are awesome! The process was only a couple of days and they were able to secure my lease with much better terms than what the dealer was offering direct. Would highly recommend working with them if you’re in need of a new lease!

Trent Broderick

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I’ve worked with Dave twice for new cars. The process has always been easy and fast! The first time I wasn’t sure which car I wanted so Dave talked me through his recommended options. The second time I knew what I wanted and Dave jumped on getting me the best deal possible.
I’ve worked with Dave twice for new cars. The process has always been easy and fast! The first time I wasn’t sure which car I wanted so Dave talked me through his recommended options. The second time I knew what I wanted and Dave jumped on getting me the best deal possible.

Erin Frantzman

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