Can I Lease a Car with No Money Down?

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A no-money-down car lease is possible, and it might sound like an ideal option if you’re trying to avoid a large upfront payment. At Kirby Subaru of Ventura, we understand that flexibility matters when financing your next vehicle. But before signing on the dotted line, it’s important to know exactly what this type of lease means for your budget.

What Does “No Money Down” Really Mean?

A no-money-down lease typically means you don’t pay a lump sum at signing. In other words, you won’t hand over thousands upfront for a down payment. However, you’ll still be responsible for the first month’s payment, taxes, registration, and applicable fees. While skipping the initial down payment can be helpful in the short term, it often leads to higher monthly payments.

Consider the Trade-Offs

Putting money down helps lower your monthly lease payments and may even improve your lease approval odds if your credit isn’t perfect. Without a down payment, you could end up paying more over the lifespan of the lease. It also means you’ll have lower equity in the car if you decide to buy it at the end of the lease. Still, the lower upfront cost can make leasing more accessible for some drivers.

Explore Your Subaru Lease Options in Ventura, CA

Whether you’re leaning toward a traditional lease or curious about a no-money-down offer, our finance team is here to help you explore your best options. Flexible car lease terms and personalized support are always part of the experience at Kirby Subaru of Ventura. If you're ready to find your next vehicle, ask about our latest Subaru lease specials and see what makes our offers stand out.