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.