hunter.lease data

What does a credit score cost on a lease?

The tier the bank assigns moves your payment more than haggling over price. Live bank rates below.

See your price

Computed on cars in stock. The bank decides; we show the rates.

How to use this

Your score is leverage, not a verdict

  • Banks often price the top tiers almost identically, so chasing a perfect score for a lease rarely pays.
  • The jump happens mid-ladder. Near a boundary, a month of score work beats haggling over the price.
  • Lower tiers have fewer programs, so the model choice narrows. Better to know that before the dealership.
  • A co-signer moves your tier more than any discount negotiation.

Who this page is not for

If you want your exact payment before applying, it is not here: the bank assigns the tier, not us. This page shows what moving between tiers costs on one real car.

Figures assume one term and mileage; changing mileage changes both residual and payment.

Without an SSN we cannot submit an application. We work with an SSN only, and we will not promise otherwise.

Methodology

Median APRs are computed across our banks' active finance programs. Tiers t1 through t6 are our internal comparison scale, not official bank FICO tiers: the bank assigns the final tier. Numbers refresh automatically.