The MINI Clubman is a nimble vehicle that’s great for casual commutes and road trips alike. At Orlando MINI, you can obtain a MINI Clubman lease in no time at all, even if you have less than stellar credit.

Find out how credit affects your ability to secure financing by visiting our MINI dealership in Orlando.  

Getting Approved with Bad Credit

Our MINI finance department works with customers of all credit ratings. However, with that said, we highly recommend taking steps to raise your score beforehand.

While you can get approved for a lease with poor credit, you won’t qualify for the best rates, meaning you’ll have to settle for a loan with higher interest. In other words, expect to pay more in interest than someone with a better credit score.

In addition, you may have to agree to other conditions, such as paying a higher down payment, making larger monthly payments, or getting a cosigner.  

How to Raise Your Credit Score 

To qualify for the best leasing offers, spend at least three months raising your credit score before stepping foot into a dealership. While there is no specific rating, we recommend aiming for a score of 670 or above. We suggest taking the following actions: 

  • When paying off debt, pay as much as you can each month over the minimum.
  • Maintain a debt-to-credit ratio below 30-percent on your credit cards.
  • Occasionally use credit cards that you seldom use. 
  • Dispute errors you find on your credit report.

Visit Orlando MINI to inquire about our current MINI lease specials in Orlando, FL. Whether you want to lease or buy your next MINI, our finance department can be of assistance. We look forward to working with you soon!