What credit score do you need to lease a car in 2026?

Most captive lenders (the financing arms of manufacturers) require a minimum credit score of 620 to 680 for lease approval. Premium brands like BMW, Mercedes, and Lexus typically want 700 or higher. However, brands like Hyundai, Kia, and Nissan are known to work with scores in the low 600s and sometimes even the high 500s. The exact threshold depends on the lender, the vehicle, and your overall financial profile.