Common questions

Not at the first stage. We run a soft credit check to see which of our fourteen lenders is realistic for you, and a soft check does not affect your score. A hard inquiry only happens once you have seen the terms and told us to proceed.

There is no single cutoff. Our panel includes lenders that work with scores in the low 600s, though the monthly figure and the due at signing both rise as the score falls. We will tell you honestly what band you are in before you commit to anything.

Often, yes. Several of our lenders accept international credit files, a large first payment or a qualified co-signer. Bring proof of income and residency and we will work through the options with you.

Most applications come back within two business hours during the week. Our median time from approval to a car in your driveway is 41 hours, though a custom order or an unusual trim can stretch that to a few weeks.

The first month's payment, the acquisition fee, NJ registration and title costs, and any capitalised cost reduction you choose to put in. Our offer cards print the total rather than hiding it behind an asterisk. All figures on this site are samples for a demo and are subject to credit approval.

No. You can structure a lease with nothing down and a higher monthly figure. We will show you both versions side by side. One thing to know: if the car is totalled early, money you put down is generally not returned, which is why we rarely recommend a large capitalised cost reduction.

New Jersey sales tax on a lease is calculated on the monthly payment and is included in the figures we quote you. We itemise it on the lease worksheet so you can see exactly what it adds.

You pay a per-mile excess charge at hand-back, typically 20 to 25 cents a mile on our sample offers. Buying the miles up front at signing is always cheaper, which is why we look at your last two years of driving before setting the allowance.

Scheduled maintenance is written into every offer on this site for the full term, and every offer includes road hazard tire coverage. Wear items outside the schedule, such as a kerbed wheel or a cracked windshield, are your responsibility and are usually an insurance matter.

Yes. There is no geographic restriction on a normal personal lease within the United States and Canada. Let us know before an extended trip to Mexico, because insurance and lender permission both need arranging.

Talk to us early. Depending on how far through the term you are, options include a lease transfer to another driver, an early termination buyout, or trading into a different vehicle. Each has a cost and we will put the maths in writing before you decide.

You need comprehensive and collision cover with the lender named as loss payee, typically at 100/300/50 liability limits or higher. Gap protection is included in the lender's terms on most of our offers, which covers the difference if the car is written off.

Dents larger than a credit card, scratches through the paint, tires below the tread minimum, cracked glass and torn upholstery. Normal stone chips, light scuffs and worn floor mats do not. We book a free inspection 90 days before hand-back so you can fix small things cheaply.

Yes. The buyout figure is the residual value printed in your contract plus a purchase fee, and it is fixed on day one. If the used market is strong at that point, the buyout can be a genuinely good deal, and we will tell you when that is the case.

A fee charged by the lender when you hand the car back rather than buy it, typically $395 on our sample offers. Most lenders waive it if you lease another vehicle through the same finance company, and we chase that waiver on your behalf.

Usually. Most lenders allow a month-to-month extension at the same payment for up to six months, which is helpful if your next car is on order. Ask us 90 days out and we will arrange it.