Most leasing companies prefer a credit score of 660 or higher, while the best lease rates typically require 700–720+. Some lenders may approve scores as low as 580–620, but lower scores usually mean higher monthly payments, larger upfront costs, or stricter terms.
Lease approval depends on more than just your score.
Lease Credit Score Tiers (2026 Guidelines)
While exact requirements vary by lender, most auto lease approvals follow this general structure:
720+ (Super Prime): Best money factor and promotional lease offers
660–719 (Prime): Competitive rates and standard approvals
620–659 (Near Prime): Higher payments and possible larger down payment
