A simple Answer TO yOUr Question
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.
📥 FREE DOWNLOAD
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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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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Recently bought a car through Vantage Auto Group and can’t say enough how great they were. Their process was seamless and they made buying a car a great experience. highly recommend Vantage Auto Group!
Recently bought a car through Vantage Auto Group and can’t say enough how great they were. Their process was seamless and they made buying a car a great experience. highly recommend Vantage Auto Group!
Cory Rothbort
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David Wagoner was referred to me by a co-worker. All I can say is wow. We were under a tight timeline to purchase a vehicle, and from our initial interaction late Thursday afternoon through the delivery of our vehicle Monday afternoon, David and Vantage Auto Group were transparent, quick, and provided excellent customer service throughout! Strongly recommend!
David Wagoner was referred to me by a co-worker. All I can say is wow. We were under a tight timeline to purchase a vehicle, and from our initial interaction late Thursday afternoon through the delivery of our vehicle Monday afternoon, David and Vantage Auto Group were transparent, quick, and provided excellent customer service throughout! Strongly recommend!
Craig K
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My experience with Vantage has truly been exceptional. The group’s streamlined purchasing process and attention to personal needs is highly commendable. I will surely be taking advantage of their services again.
My experience with Vantage has truly been exceptional. The group’s streamlined purchasing process and attention to personal needs is highly commendable. I will surely be taking advantage of their services again.
Debra Sullivan
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Phenomenal and hassle free experience! Sean was amazing! He was patient, professional and responsive!
Phenomenal and hassle free experience! Sean was amazing! He was patient, professional and responsive!
Koster Henderson
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The entire process from start to finish was handled with class
The entire process from start to finish was handled with class
Donald Blaine
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Had the absolute smoothest and informative process working with David. He got me an excellent price well within was I was hoping spend after a dealer quoted me WAY more. Appreciate him and his team so much for making this process not stressful at all. Anyone looking to buy a car, use Vantage!!
Had the absolute smoothest and informative process working with David. He got me an excellent price well within was I was hoping spend after a dealer quoted me WAY more. Appreciate him and his team so much for making this process not stressful at all. Anyone looking to buy a car, use Vantage!!
Corinne Antonelli
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Denis Lipari
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alexandra monard
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Thank you Vantage Auto for getting me a good deal on an Odyssey! Shout out to Charlie who made this process painless and smooth from beginning to end. Totally beats having to go to the dealership.
Thank you Vantage Auto for getting me a good deal on an Odyssey! Shout out to Charlie who made this process painless and smooth from beginning to end. Totally beats having to go to the dealership.
Erick Punsal