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Home / How Credit Impacts Leasing | St. Cloud Toyota


If you are looking for a car but aren’t interested in buying, leasing is a great option. It is, however, important to understand ahead of time how your credit score may affect your Toyota lease.

Why Does Credit Matter When Leasing?

Credit is one of the main factors lenders look at when people apply for a loan. It acts – at least as lenders are concerned – as kind of a barometer for the likelihood that someone will be able to pay back the money they borrow, and it could have a big impact on the interest rate.

How Would a Low Score Affect a Lease?

In many cases, if you’re looking to lease a car – like the Toyota 4Runner, for example – you would need a credit score in the “fair” category, generally 600 or better. If, however, your score is lower or perhaps you don’t have any credit history, this does not mean you won’t be able to lease a car.

At St. Cloud Toyota, regardless of your credit score or lack thereof, we’re confident that you will be able to lease a car through our dealership.

Ways to Help Yourself with Your Lease

Raise Your Credit Score

A low credit score may result in a higher interest rate with your lease, which is why you may want to do things to raise it. This could include looking for errors on your credit report or consolidating your debt.

Find Somebody to Co-Sign

If you have someone with a good credit score willing to be a co-signer, this may be able to cut your interest rate and speed up the leasing process.

Make a Good Down Payment

Being able to put up a sizable down payment for your Toyota Highlander lease can help you more easily get approved. This will also lower your monthly payments.

Lease Your Perfect Model at St. Cloud Toyota

Whatever type of vehicle you’re looking for, you will find it at our Toyota dealership near Sartell. We always have a big selection of new, pre-owned, and Certified Pre-Owned models. Get in touch to learn about our current lease deals.

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Waite Park, MN 56387
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