Can you Lease a Car at 18?

Leasing a car is an increasingly popular way to access a vehicle without the long-term commitment of buying one. Leasing can be an excellent option for younger drivers who may want something different after their lease period expires and those who wish to avoid repairs or maintenance costs associated with owning an older car.

What is Vehicle Leasing?

Vehicle leasing or car leasing represents using a motor vehicle for a fixed time at an agreed fixed fee. In leasing, you do not own the car because you are renting it; you pay to use it for a fixed period.

Due to the technical advancements in finance and accessible monetary dealings, purchasing a car or any other asset has become practically easier and less demanding. Fixing a decision to lease a vehicle or buy it at the moment is a game of personal priorities. A car nowadays is not considered a luxury but a necessity for every household; therefore, the prominence of private vehicles cannot be overlooked or disregarded.

Nevertheless, purchasing or leasing a vehicle depends on individual preferences and monetary balance. Leasing a car requires you to sign a preplanned contract with the automobile dealership. This rented vehicle can be borrowed for up to 24 to 36 months, and at the end of the lease, you may decide to return the car or purchase it through a predetermined amount mentioned on the contract. Before deciding, one must understand the distinctive elements of buying a vehicle and leasing one. However, you must also satisfy age requirements and other prerequisites, such as financial balance, preferences, and credit history.

lease a car as 18 years old

How old do you have to be to lease a car?

To lease a car in the US,  you must be at least 18 years old because only adults can sign up for contracts. There is no maximum age to lease a car in the US. However, leasing companies can have additional restrictions for drivers from 18 to 24 years old.

In addition, car leasing represents a contract, so persons under 18 can not lease a car because they are restricted in their ability to sign contracts.


You must be 18 years old to lease a car in the United States. This is because, legally speaking, you need to be an adult to enter into contracts. Additionally, most leasing companies will require proof of income or some other form of financial security since taking out a loan or signing up for a lease requires you to make regular payments. There are no maximum age requirements for leasing cars, so anyone over 18 with the necessary financial qualifications can secure a lease.

However, drivers between the ages of 18 and 24 may face additional restrictions from rental companies. Many rental companies impose age limits on drivers under 24 due to higher insurance premiums associated with inexperienced drivers in this age group. As such, they may ask younger drivers (under 24) for additional information or proof of their driving record before approving them for a lease agreement.

Some leasing companies also charge increased fees for accident coverage or liability insurance for young drivers in this age group and raise their monthly payment amounts on leases.

When considering leasing a vehicle as a young driver between 18-24, it’s essential to keep these additional requirements and fees in mind before signing any agreements. While specific restrictions are placed upon young drivers seeking leases, it’s still possible for them to find suitable cars with reasonable prices if they carefully research and compare multiple options. It’s wise not just to look at sticker prices but also to consider factors like depreciation value, mileage caps, and other miscellaneous fees when choosing which car models and brands offer the best deals over time.


Car leasing companies and automobile franchises operate on different restrictions and guidelines to accommodate their customers and maintain security and safety standards. You must be 18 years old to lease a car and satisfy the supplement restrictions that need to be fulfilled at the time of contract signing. The lease process is considered an official and legal contract filing by the state or country’s laws.

Therefore, minors cannot sign car lease contracts. However, some automobile companies may allow teenagers to drive a leased vehicle if their parents act as co-lessee and sign the contract paper. The parents must sign the lease on behalf of their teenage drivers.

If the driver is less than 18 and the parents intend to sign the lease on their behalf, it is imperative to check with the company‘s policy. Some companies allow the driver to be correctly named on the lease contract. It is essential to mention the driver’s name and age on the contract; otherwise, the lessee would not drive without express permission.

How to lease a car for a teenager?

Can I  lease a car at 17?

No, you can not lease a car under 18 in the US because you can not sign up for the contract. However, some leasing companies will rent a car to a 17-year teenager if an adult co-signs on the lease or leases the vehicle on the teen’s behalf.

The minimum age restriction set by car leasing companies is primarily because of the financial information and data required by each individual before the approval of the application. Also, the rule states that an individual can drive legally after turning 17; however, the same individual would not apply for a car lease until 18.

The lesser requires each applicant to provide credit information along with credit incomings, outgoings, direct debits, and monthly earnings, which is impossible until you turn 18. Young teenagers below 18 have an unpredictable credit profile and very little evidence of credit; therefore, it is typically not considered a reliable application in terms of finance. The lessor would not clarify and analyze the monthly payments and whether partial payments could be made per the contract.

Automobile dealerships look for good to excellent credit scores, which cannot be established fortnightly. You need to make scheduled payments within time and use the credit card frequently to maintain a reliable credit score. It is considered one of the foremost priorities for the lessors to provide their vehicles on lease.

In addition, the providers also look for existing direct debits and standing orders and whether they are being paid regularly and crediting earnings into your account. Your employment history also needs to be credible. Your employment contract should be valid for the past 2 to 3 years; therefore, if you are under 18, you might have a problem gathering substantial employment records. You also need to provide bank details to the provider that will assist them in managing the account and evaluating the monthly balance, which will be used to find the card every month.

Lease car for business purposes

If you are over 18 and looking for a new car to lease for personal or business purposes, additional requirements other than the finance requirements would be considered necessary. For example, if you rent a business vehicle, you must pay lower monthly payments, but the car must be used for work or business purposes.

Suppose you are leasing a vehicle for personal use. In that case, you need to provide personal details along with the information, including financial dependence, permanent residence, bank statements, and proof of address. If you are leasing a vehicle for work purposes, you must mention the company’s details, the director’s information, bank details, and employment status.

Can you wrap a leased car?

Yes, usually, leasing companies will allow you to wrap your car. However, check-in leasing contract, will your leasing company allow vinyl wraps and decorative graphics?

There are multiple benefits for young lessors, as they can opt for a new vehicle model for comparatively lower monthly payments. There is no need to pay a substantial upfront sum for the car and no obligation to commit to owning the vehicle once the contract concludes.

You can quickly return the car with no intention of holding it whatsoever. You can also build your financial history and credit score by showing the providers your financial dependability. Most car dealership companies provide a full manufacturer warranty, so there is no need to pay for extra repairs and mechanical and electrical reconfiguration. You also have access to the up-to-date models of the vehicle characterized by state-of-the-art safety technology and novel gadgets.

Which statements apply to leasing a car?

There are mileage restrictions on the car. You must return the vehicle after the lease ends. There are penalties for ending the lease early.

If you have made up your mind regarding car leasing, you must begin your search by allocating the budget. Next, you need to search for companies that ask their customers to choose the right kind of vehicle to fit into their monthly budget. It would help if you were expressive about personal mileage before signing the contract. Setting a limit on annual mileage to reflect the driver’s driving habits is essential. This will give a rough idea of how much the car will be used weekly. Finally, choose an approved provider and check for the credibility and legitimacy of the automobile companies.


To lease a car in the US, one must be 18 years old; however, additional restrictions are placed on younger drivers between 18 and 24 due to higher insurance premiums and increased fees connected with accident coverage or liability insurance policies. As such, those looking into leasing vehicles must consider these when researching potential options to find the best deal available while staying within budget and minimizing long-term expenses related to their leased vehicle over time.

Robert Aksamit

Robert Aksamit

Robert Aksamit is a mechanical engineer and automotive industry expert. Robert was born in Minnesota and worked in the US automotive industry for 25 years. He is highly regarded for his passion and dedication to continually improving vehicles in response to customer feedback. Robert has a keen eye for sourcing the best vehicle components and materials on the market and is always looking for ways to enhance the user experience. As a writer, Robert covers automotive-related topics. Read more on Robert Aksamit's about page. Contact Robert:

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