Yes, you can lease a car with a DUI on your record, but it is significantly more challenging and expensive. The DUI is a major red flag for leasing companies, as it signals high risk. Your approval is not guaranteed and hinges almost entirely on your current financial health, particularly your credit score and stable income. Expect to face higher costs, including a much larger security deposit and elevated monthly payments, if you are approved at all.
The primary hurdle is the mandatory credit check. Leasing companies assess risk based on your credit history. A DUI conviction does not appear on your standard credit report from agencies like Experian or Equifax. However, the financial consequences of a DUI often do. These can include missed payments, legal fees, increased insurance premiums, or even a bankruptcy filing, all of which severely damage your credit score.
| Factor | Without a DUI (Good Credit) | With a DUI (Impacted Credit) |
|---|
| Approval Likelihood | High | Low to Moderate |
| Credit Score Check | Standard Hard Inquiry | Intensive Scrutiny |
| Security Deposit | Often Waived | Required, can be 1-3 monthly payments |
| Money Factor (Interest Rate) | Low | Significantly Higher |
| Monthly Payment | Based on vehicle depreciation | Increased due to higher financing cost |
| Insurance Requirement | Standard Proof of Insurance | May require pre-approved SR-22 filing |
You must also provide proof of insurance before signing the lease. This is often the biggest obstacle. After a DUI, you will be classified as a high-risk driver. You will need to obtain an SR-22 form from your insurance company, which certifies you carry the state-mandated minimum coverage. Your insurance premiums will likely double or triple, and some standard insurers may refuse to cover you, forcing you to seek a high-risk provider. The leasing company will verify this costly insurance policy is active.
A practical alternative is to consider financing a used car instead of leasing. With a loan, you are working toward ownership, and lenders for used cars might be more flexible than leasing companies who retain ownership of a new, rapidly depreciating asset. The most effective strategy is to focus on rebuilding your credit and maintaining a clean driving record for several years to improve your chances.
