Hello, I haven’t been able to sucessfully locate a thread on this topic and may have not been searching correctly . Looking to do the bulk of my lease negotiation online before going into the dealership. I’ve already did test drive of vehicle and that separately . Online trying to obtain a quote …

Unless you have poor credit, do not fill it out until you agree to terms.

You should never have to fill out a credit application to get a quote. If you have a good idea of your credit score ask them to send you a quote with that, if you don’t know what credit tier you qualify for with that bank or manufacturer, you can talk to them about it, but I wouldn’t fill out an app…

First - get your score from a reputable source - not Credit Karma. Second - go to Edmunds and ask for money factor for your score and the car you are interested in. Third - base your quotes on that money factor. Don’t get anyone to pull your credit until you are on the lot and actually picking up…

[image] Stu_Midwest: First - get your score from a reputable source - not Credit Karma. All this. First negotiate price before incentives, then you’ll have incentives/residual/MF from Edmunds and know from the calculator what the floor is. When you finally req lease payments, you can tell th…

Ok thanks for the tips , I’ll grab that info ahead of time.

Thanks for additional feedback and tips … makes sense

Jgordo, There might be some useful info for you in the below thread concerning obtaining credit scores and info. [image] The Credit Thread Wiki Every month there is at least a handful of posts here that include erroneous perceptions, opinions or information about credit.…

Thks dug into that forum last night and grab some info

Back to the topic of this thread (mostly) - is it true that dealers can’t quote accurate numbers for someone with less than Tier 1 credit without a credit app? It’s never come up for me, but I recently helped a friend lease a vehicle and I heard that repeatedly, including from several friends who ar…

If you are set on a specific car, find out which credit bureau the captive lender uses. Go on to MyFICO.com and pull the specific credit report. It will provide a comprehensive report with all scores, FICO 8,9,2,4,5,auto,credit card,mortgage,etc. Know what the score required for different tiers an…

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Timing of credit application for online negotiation

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