lease to own program


If you're experiencing bad credit issues, you're not alone. Many dealers and lenders realize that not all car buyers have great credit and have created lending programs that serve credit-challenged borrowers. One of these is called Lease to Own auto financing, where you'll lease the vehicle for a fixed amount of time, and then own the vehicle once the term is complete. If you're looking for a Lease to Own vehicle in the Kansas City area, we want to help you out. At Auto Mart USA,

we work with the customers directly in handling unique credit situations, so let us connect with you today!



Lease to Own vehicles are vehicles that you lease for an agreed upon amount of time, make payments on, and can purchase at the end of the term. When considering a Lease to Own financing, keep these five things in mind:


  • No Credit Check on Lease to Own vehicles - Dealers don't generally run credit checks, which allows people with bad credit to finance a car as long as they make a qualifying income.

  • Vehicle Selection - Because Lease to Own lots aren't associated with new car dealerships, you'll find that vehicle selection will generally be limited to certain used models.

  • Down Payment Requirement - You'll be required to put money down on a Lease to Own vehicle. Make sure you budget for one and ask  us  how much you'll need.

  • Ownership - Because you don't own the vehicle during the term, you'll generally have to pay title and license fees at the end of the term to claim ownership.

  • Lack of a Warranty - Most Lease to Own vehicles won't come with a warranty. Unless you buy an Extended Service Contract Warranty,  you' ll have to pay for all repairs. 



There are many benefits to a Lease to Own financing programs when you have bad credit. These loans are designed for people who need a vehicle but are struggling with the challenges of getting approved from regular and subprime lenders. With a rent with option to buy car, these worries melt away. Here's why:

  • Vehicles typically cost less than cars that can be financed from a traditional dealership.

  • Payments are usually due on a weekly or bi-weekly basis at the dealership, which means a receipt and the peace of mind that your payments are being made on time. It also means payments are flexible for just about any budget.

  • There's usually no credit check required , which makes getting approved easier.

  • You do not have to pay sales taxes on the vehicle until you decide to buy the vehicle.

  • Lease to Own agreement term is short . Typical Lease to Own agreement will be 12-18 months long.

  • If you meet all the requirements, you can usually drive away in a vehicle the same day you visit our dealership.