Credit Requirements Guide
Understand credit requirements for vehicle leasing and discover how Jose can help you get approved regardless of your current credit situation.
Credit Tiers & Opportunities
We work with all credit levels to find you the best possible terms and vehicle options
Excellent Credit
Qualify for the most competitive lease terms and premium vehicle options.
Available Benefits:
- Best available rates
- Minimal down payment
- Premium vehicle access
- Fastest approval
Good Credit
Access to most vehicles with favorable terms and competitive rates.
Available Benefits:
- Competitive rates
- Standard terms
- Wide vehicle selection
- Quick approval
Fair Credit
Special programs available with personalized assistance from Jose.
Available Benefits:
- Specialized programs
- Credit improvement options
- Flexible terms
- Expert guidance
Building Credit
Specialized solutions to help you get approved and improve your credit.
Available Benefits:
- Credit building programs
- Co-signer options
- Fresh start opportunities
- Personal consultation
Application Requirements
What you'll need to complete your lease application
Income Verification
- Recent pay stubs
- Tax returns (if self-employed)
- Bank statements
- Employment verification
Identification
- Valid driver's license
- Social Security card
- Proof of residence
- Insurance information
Credit Information
- Credit score and report
- Previous auto loans
- Current debt obligations
- Co-signer info (if applicable)
Improve Your Credit Score
Simple steps to boost your credit and qualify for better terms
Pay Bills On Time
Payment history is the most important factor affecting your credit score
Lower Credit Utilization
Keep credit card balances below 30% of available limits
Don't Close Old Accounts
Length of credit history positively impacts your score
Monitor Your Credit
Regular monitoring helps catch errors and track improvement
Jose's Credit Promise
"In my 10+ years in the automotive industry, I've learned that everyone's credit story is unique. Whether you have excellent credit or are working to rebuild, I'm committed to finding you a solution that works."
Ready to Get Pre-Approved?
No matter your credit situation, Jose will work to find you a solution. Get started with a free, no-obligation consultation.