Know the final terms first. Then decide.

With the same deal terms and the credit tier the bank confirms, the payment stays the same. Until the bank decides, the card shows the calculation for the stated credit tier, usually 740+ credit. The payment is recalculated if you change the term, mileage or amount due at signing, or if the bank assigns a different credit tier. You'll see any change online in your deal dashboard before you visit the dealership and sign the contract.

We compare offers from more than 160 dealers every day and negotiate discounts to get you the best terms we can. We don't hide anything: every discount we get from the dealer goes to you in full and shows up in the calculation right away.

Yes. Tax for your ZIP code is included in the monthly payment. Required dealer, bank and government fees are part of the amount due at signing shown in the calculation. The Hunter Lease service fee is shown separately before you pay.

The service fee books the deal you picked, and its terms are already agreed. Depending on the car and the dealership, Hunter Lease may also receive compensation from the selling dealer. On the site you see the final terms for the inputs and credit tier shown on the card. If those inputs don't change, nothing new gets added. The deal card lists every amount you pay as a customer: the monthly payment, the amount due at signing, taxes and required fees, along with the term and mileage. Any dealer compensation is disclosed in the brokerage agreement for that specific deal. It is never added to the terms you already see. The internal commercial terms between Hunter Lease and the dealer are not published.

Dealers compete for sales, work toward volume targets and value their inventory differently. Hunter Lease compares the available offers and negotiates the discount in advance, so you don't have to call around and haggle yourself.

The cards are built from dealer inventory, but availability changes constantly. The price and terms are already agreed. After you book, we confirm the specific car and its VIN before we submit your application. Cars that are still in transit are marked as preorders.

Right after you book, we check with the dealer that the car is still available. We confirm the car, not the price: the terms stay as you booked them. If the car is there, we confirm the VIN, continue the paperwork and request the documents we need. If the car has been sold or is unavailable, you can pick another option or get a full refund of the service fee. We don't submit an application to the bank until the car and VIN are confirmed, so there's no hard credit inquiry and no wasted trip to the dealership.

After you book, we ask the dealer to confirm the specific car. The price and terms are already agreed, so this step is about the car only. We don't submit your application to the bank until the VIN is confirmed. Once it's confirmed, the VIN appears in your deal but is not published on the public card.

Yes. You can get the service fee back on request any time before you sign the vehicle contract at the dealership. If the bank declines your application or the deal can't go through, the fee is also refunded in full. Once the contract is signed, the service is considered provided.

The terms hold while the car is in stock and the relevant bank programs, rebates and dealer discount stay in effect. The current deadline is shown in each deal. If a program changes before the deal is confirmed, you'll see the new calculation before you apply or sign the contract.

No. You go to the dealership to look over the car, sign the paperwork and drive it home. Before you sign, our specialist checks the contract against the agreed terms.

You can always pick up the car at the authorized dealership that has it. The name, address and your appointment time will appear in your account. Some dealers also offer home delivery. We'll tell you whether delivery is available and what it costs before you sign the contract.