First off, leases dont have interest. They charge a money factor which is similar, but not the same.
Additionally, its difficult for you to compare apples to apples on different makes/models. I say this because some banks are credit score driven and others are not. For instance, with Kia, a score of 620-639 will be a Tier 6. But with Ford, you may get Tier 1 or 2 with substantial cash down. You could put down a lot of cash with Kia, but you will always be a Tier 6.
I cant figure out if youre shopping for the best car or best deal. I have always told people the wrong car at the right price, doesnt change the fact its the wrong car. Figure out which car you like and then negotiate the best deal. However, your scores do not entitle you to much leverage. In my opinion, youre barely able to lease. Best of luck.
Additionally, its difficult for you to compare apples to apples on different makes/models. I say this because some banks are credit score driven and others are not. For instance, with Kia, a score of 620-639 will be a Tier 6. But with Ford, you may get Tier 1 or 2 with substantial cash down. You could put down a lot of cash with Kia, but you will always be a Tier 6.
I cant figure out if youre shopping for the best car or best deal. I have always told people the wrong car at the right price, doesnt change the fact its the wrong car. Figure out which car you like and then negotiate the best deal. However, your scores do not entitle you to much leverage. In my opinion, youre barely able to lease. Best of luck.
Starting Score: 475