How It Works
Step 1
You choose your vehicle
You can choose any car on the lot and NJ Auto Lending leases the vehicle to you in a 12, 24, 36, 42, or 48-month lease. All vehicles come with maintenance, warranty, and gap insurance.
Step 2
You break the cycle of high-interest rate auto loans
The leases are structured to help build equity quickly, escape the cost of long-term high-interest rate auto loans, and avoid old high mileage vehicles available only at a BHPH. Our goal is to put you in a position to refinance at lower rates and terms as soon as possible.
Step 3
You build your credit profile
Each month, we will submit your payment history to Equifax, and Experian. Making timely payments and working with our in-house “Credit Coach” can help significantly improve your credit profiles.
Step 4
You can buy the vehicle at any point in the lease
At the end of the term, you can choose to turn it in, buy it at the residual value, or trade it in for another vehicle.
Our Lease Here, Pay Here model consists of 12, 24, 36, 42, or 48 month used car lease plans. We structure your monthly payments with the intention for you to build equity FAST. We report timely payments to the credit bureaus in order to start improving your credit score, all while having access to your own personal credit coach along the way.
Who Qualifies?
No Credit Needed
Credit problems behind them
Currently employed or have other steady income sources
Ability to make timely payments
Willing to work with our “Credit Coach”
Alternative forms of identification accepted