If you have declared bankruptcy and have already had it discharged, the amount of time you have to wait until you can lease a car again depends on a few factors, meaning the length of time is different for everyone.
Factors that come into play when determining how long you have to wait to lease a car include how high your credit score is, as well as how much money you make and how much of a down payment you could afford to put on the car in the first place.
Depending on the automobile company, it is possible you may be able to lease a car almost immediately after you have had you bankruptcy discharged. This usually only happens with the biggest automobile companies, as they can afford to take the chance on someone who might be a bad risk. Regardless of which automobile company you ultimately lease a car from after your bankruptcy discharge you are quite likely to have to pay an interest rate that is higher than it would be for someone who has not been through bankruptcy.
Finding A Lender
Chances are good that finding a lender that is willing to work with you will be hard to do because of your bankruptcy discharge. However, if you do your homework you can probably find a lender that is open to lending to people in your situation. Be sure to ask the lender as many questions as you can think of in regards to your leasing options and any incentives they offer you to get you to work with them. You will also want to ask them what the best interest rate is that they can give you. The more thoroughly you discuss your situation with them the more competent you will look in their eyes. When you are in the position of trying to lease a car after having bankruptcy discharged it is always a good idea to speak to several different lenders so that you can choose which one is right for you.
It is recommended that you only lease a car you know you can afford comfortably, as leasing one that may be slightly out of your price range can ultimately lead you down the road to bankruptcy again. This is why it is important to proceed carefully.