hi all - would appreciate thoughts based on our current situation. my partner & i share a car and previously leased a rav4 with help from a broker. we returned that car last month and are now interested in a mazda3 sedan. we’ve reached out to the same broker for help (while a bit more educated this time around, i’m not confident we could secure a good/fair lease on our own).
ultimately, we’re unsure whether we’re better off applying as co-leasees again or if it’s stronger for one of us to apply alone from a financial/lease standpoint.
currently, i’m unemployed (going out on my own but currently no income). i’ve maintain a ~780 fico score and recently checked my credit report, all looks good. my partner has slightly higher income than before, but it doesn’t cover our former combined income. their fico is lower than mine.
i’ve been researching and reading threads here but am quite confused about Tiers etc. any help or perspective would be appreciated. our broker just asked for current employment and income – we haven’t updated him as i was hoping credit inquires would be sufficient but i guess not. thank you in advance!