It is never easy to deal with a low credit score. Other people find it difficult to get approved for a new car loan or car lease because they have no credit history. Whatever the case, you can still lease or buy a new vehicle if you have bad credit and no credit.

You might ask yourself: ‘Wont I get charged with a high interest rate?’ Yes. Lenders need to compensate for the risk factor that comes with bad credit and no credit leasing. If you have bad credit, lenders will look into your payment history and will assess the interest rate based on your credit worthiness. If you have no credit, lenders have no idea on your capability to pay debt. These are just some of the reasons why it is only natural to expect a higher interest rate.

Want to get an affordable car lease, even with bad credit and no credit? Follow these simple tips so you can enjoy low monthly payments and possibly lower interest rates:

1. Improve your credit score. Bad credit buyers need to make some improvements on their credit history even before approaching the dealership. Calculate how much you earn and how much you spend on a weekly basis and make some adjustments to your spending habits. Paying all your debt in a timely fashion is also a good idea.

2. Get a co-signer. This applies to bad credit and no credit buyers. The co-signer should be a relative, friend, or co-worker with a relatively high FICO score. Remember that the co-signer is not part of the car lease or the auto loan. Lenders like the fact that they know who to turn to if you fail to make your car payments.

3. Save money. Making a down payment is a sure way to get lower monthly payments. If you are a bad credit or no credit buyer, you will probably need to pay more. This serves two purposes:

a. Lenders like the idea that you are willing to pay additional money to lessen the risk factor of the car lease or the car loan; and

b. Making a larger down payment will give lower monthly payments, hence cushioning the impact of higher interest rates.

4. Choose a vehicle with the highest amount of rebates and incentives. Simply said, choosing a car with huge cash discounts and marvelous incentives will also give you more savings, whether you have bad credit or have no credit history.

5. No-credit buyers should present their utility bills, phone bills, paycheck stubs, and bank statements to the dealership.

You can still get an affordable car lease even with bad credit and no credit. Choose your new car wisely and keep your credit report free from errors so you can enjoy the lowest lease rates in your town.

All Dodge lease offers are valid until 7/2/2012. Check out the best Dodge lease deals from all Dodge dealers in your zip code so you can easily compare lease offers from the comforts of your own home.

Dodge Lease Offers June 2012

Dodge Charger

The Dodge Charger combines the healthy attributes of a muscle car with the comfort, safety, and refinement of a large sedan.

Dodge Charger lease deals starts at $209 per month for 24 months with around $2,900 due at signing.

You can also take advantage of 0% APR financing for 36 months with up to $2,000 cash allowance on the new Dodge Charger.

Dodge Durango

Midsize comfort and utility meets a refined and quiet interior on the new Dodge Durango. If you need a seven-seat crossover that doesn’t sacrifice comfort with style then the Durango is a solid pick.

Dodge Durango lease deals starts at $239 per month for 39 months with around $2,900 due at signing.

Take advantage of 0% APR financing for 36 months with up to $1,000 cash allowance on the new Dodge Durango.

Dodge Journey

Want a more affordable family vehicle with more style points that a minivan? Take a look at the new Dodge Journey.

Dodge Journey lease deals starts at $149 per month for 24 months with around $1,700 due at signing.

Take advantage of 0% APR financing for up to 36 months with up to $3,250 cash allowance on the new Dodge Journey.

Dodge Grand Caravan

When it comes to carrying passengers and cargo, nothing beats the practicality and capabilities of a traditional minivan. When it comes to that, the Dodge Grand Caravan has you covered.

Dodge Grand Caravan lease deals starts at $189 per month for 24 months with around $3,000 due at lease signing.

Take advantage of 0% APR financing for up to 36 months with up to $1,750 cash allowance on the new Dodge Grand Caravan.

Leasing Tips

1. Compare lease offers from multiple Dodge dealers so you can easily walk away with the lowest monthly payments.

2. Have your credit report ready. If you have good credit, you can get a more affordable Dodge lease through lower interest payments.

3. Make a down payment. Even a small down payment will help to significantly reduce your monthly lease payments.

Jeep vehicles are known for their affordability and rugged all-terrain capability. They are also built to withstand the rigors of daily off-road driving.

Not surprisingly, Jeep vehicles can also be used comfortably on tight city roads, making it the ideal urban vehicle. They are also more capable than a compact crossover SUV.

Looking to lease a new Jeep? Here are the latest Jeep lease deals for June 2012:

Jeep Compass

The Jeep Compass is a stylish, rugged, and affordable small SUV. The Jeep Compass has a lease price of $139 per month for 39 months with around $3,000 due at signing.

Jeep Liberty

The Jeep Liberty is a more rugged alternative to a compact or midsize SUV. The Jeep Liberty has a lease price of $169 per month for 36 months with around $3,200 due at lease signing.

Jeep Wrangler

When it comes to all out off-road abilities and sex appeal, it is hard to argue with the Jeep Wrangler. The Wrangler has a lease price of $209 per month for 24 months with around $3,000 due at signing.

Jeep Grand Cherokee

The Jeep Grand Cherokee is an excellent midsize SUV. Lease prices for the Grand Cherokee starts at $219 per month for 39 months with around $3,300 due at signing.

Jeep Patriot

The Jeep Patriot is fully capable off-road but it also happens to be affordable. The Jeep Patriot starts at a lease price of $129 per month for 39 months with around $2,700 due at signing.

Getting an Affordable Car Lease

Getting a cheap car lease starts at the residual value. The Jeep Wrangler in particular was rated as the vehicle with the highest estimated resale value of 68% after 36 months. Since the residual value will be deducted from the MSRP to get the lease price, a vehicle with a high resale value will be cheaper top lease.

You should also maintain a decent level of credit. In order to get low interest rates, you need to have an average credit score. The higher the score, the lower the interest rate (or sometimes called the money factor rate).

All Jeep lease deals are valid until 7/2/2012. Contact your favorite Jeep dealer to know more.

Here are the best cars to lease for June 2012 as gathered from our database of the best new automotive leasing deals. Remember that lease prices and lease offers will change according to your location. Find the latest new car lease deals in your zip code and compare dealer prices to arrive at the best offer.

Best June 2012 Lease Deals

Acura TL

Want something that is more luxurious and exciting than the Toyota Camry or the Honda Accord? Try the Acura TL. It offers premium looks, luxurious accommodations and capable performance.

Acura TL lease deals starts at $349 per month for 36 months, $2,700 due at signing. Offer is valid until 7/6/2012.

Honda CR-V

The new Honda CR-V is made bigger and better than before. Close to being a midsize, the new Honda CR-V is still the top choice for people who want a dependable compact SUV.

Honda CR-V lease deals starts at $239 per month for 36 months, $2,800 due at signing. The Honda CR-V is also available at a lease price of $320 per month for 36 months with $0 down payment. Offer valid until 7/9/2012.

Jeep Grand Cherokee

The Jeep Grand Cherokee is an SUV that is comfortable on both concrete and dirt roads. It is also refined, luxurious, and spacious for the whole family.

Jeep Grand Cherokee lease deals starts at $299 per month for 39 months with $2,500 due at signing. The Jeep Grand Cherokee can also be leased for $389 per month for 39 months with $0 due at signing.

Chevrolet Cruze

Chevy got it right with the Cruze. The Chevy Cruze is bigger and longer than an average sized compact car, but with no penalties in terms of standard equipment and price.

Chevy Cruze lease deals starts at $159 per month for 24 months, $1,900 due at lease signing. Offer valid until 7/2/2012.

Ford Flex

The Ford Flex is a stylish people carrier. It is also a crossover vehicle that combines the capabilities and spaciousness of a midsize SUV and minivan.

Ford Flex lease deals starts at $229 per month for 24 months with less than $4,000 due at signing. Offer is valid until 7/2/2012.

Ford Edge

The Ford Edge is a refreshing approach in the compact SUV category. The Edge is family friendly and high-tech while still remaining easy on the budget.

Ford Edge lease deals starts at $199 per month to $219 per month for 24 months with $4,000 due at signing. Offer is good until 7/2/2012.

Mazda 3

Want an affordable car lease? Take a look at the Mazda3. The Mazda3 offers a spirited driving experience and a feature-rich cabin. It is also roomy and fuel efficient. Sporty driving need not be expensive with the Mazda3.

Mazda3 lease deals starts at $195 per month for 36 months up to $224 per month for 36 months with less than $2,000 due at signing.

Get a complete list of the best cars to lease so you can choose the right offer for your budget.

One of the secrets in getting low monthly payments on your car lease is to select a vehicle with a high residual value. This is because the residual value will be deducted from the sticker price of the car, giving you the overall lease price.

Lease a cheaper car, and you get low monthly payments. If you lease a car with a higher residual value, then you can enjoy lower payments and great value for money.

Sport-utility vehicles are one of the best cars to lease because they are more expensive than normal cars. But there are some luxury SUV’s that stand out from the rest when it comes to future resale values. Here are the top 2012 luxury SUV’s with the highest residual value according to Kelly Blue Book:

Audi Q7

Audi may be late in the SUV game, but it pulled-off a miracle with the Audi Q7. Since we are talking about an Audi, the Q7 has impressive levels of build quality and craftsmanship that perfectly blurs the line when it comes to plush luxury and inherent sportiness.

With prices starting at around $46,500 the Audi Q7 offers a lot of bang for the buck. The standard 3.0-liter V6 engine produces enough motivation to push the Q7’s lofty curb weight. The Quattro all-wheel drive system offers tons of grip even on slippery surfaces. The Q7 also comes with a 3.0-liter turbo diesel V6 engine that produces locomotive-like waves of torque.

Estimated resale value of the Audi Q7 is around 63.3% after 36 months and 44.3% after 60 months.

Infiniti FX

The Infiniti FX is based on the Nissan Z sports coupe, meaning it has the DNA of a tight-handling sports car. The Infiniti FX is a crossover SUV that is a little more stylish than most that you see on US roads. It also comes with either a 3.5-liter V6 or 5.0-liter V8 for true sports car performance.

With prices starting at $43,700 the Infiniti FX is a sport-luxury SUV with elevated levels of opulence and performance. The Infiniti FX has a resale value of around 58% after 36 months and 44% after 60 months.

Lexus RX

The Lexus RX may be smaller in size compared to the Q7 and the Infiniti FX but it it still a proper luxury SUV. It has a plush ride, a luxurious interior, an abundance of high-tech features, and is as reliable as death and taxes. no wonder that many people are lining up for the Lexus RX, especially considering that it only costs $39,310.

The Lexus RX has an estimated resale value 64% after 36 months and 43% after 60 months.

If you are looking to lease a luxury SUV, you should try to get the latest leasing deals for the Audi Q7, Infiniti FX, and Lexus RX so you can compare which will provide you with more value for money.

If you are thinking about buying a new car, you should consider a vehicle with a modest resale value. This is also true if you want to lease a new car. Many people don’t even consider the future value of the car that they want to purchase. The truth is that buying or leasing a vehicle with decent residuals will not only give you lower monthly payments, but it also means that you can sell your old car for more money compared to other vehicles.

How Do they Determine the Residual Value?

The residual value will have something to do with vehicle desirability, build quality, and perceived customer value. A vehicle that is reliable, sturdy, and with less problems will also have a higher perceived value compared to other similar cars.

Honda, Toyota, and Lexus vehicles are one of the most reliable cars that you can buy. The same can be said for famed performance marquees such as Porsche, Mercedes-Benz and BMW.

But in the land of the compact car, there are three brands that reign supreme over the rest. Here are the 2012 compact cars with the highest resale value according to KBB.com.

Honda Civic

The Honda Civic is a natural. For many years, car reviewers from all over the world have consistently given the Civic high marks in terms of performance, reliability, and fuel economy. Honda made sure that Civic buyers are never devoid of choice by introducing 5 Civic models for 2012, including the Civic CNG that runs on compressed natural gas. Prices start at $15,755 for the Civic Coupe and $24,000 for the Civic Hybrid.

The Honda Civic continues to provide modest amounts of interior and storage space with a user-friendly cabin. The engine and transmission combination is still best-in-class, even though newer models such as the Chevrolet Cruze and the Ford Focus offer better driving dynamics.

Estimated resale value for the Civic is at 56.5% for 36 months and 41% for 60 months, among the highest in the class.

Mini Cooper

The reincarnated Mini Cooper was designed and engineered by parent company BMW, which also means that the new Mini has more space, better handling, and is even made more practical and fun to drive. The Mini Cooper is also sold in a wide array of body styles including a coupe, convertible, and roadster version.

Prices for the Mini Cooper starts at $20,200. Funky and avant-garde styling also comes standard.

Estimated resale value for the Mini Cooper is at 54.3% for 36 months, and 39% for 60 months.

Scion xB

The Scion xB is hard to ignore, not only because of the low price, but it is also roomy, spacious, durable, and highly customizable. Since the Scion xB is owned by parent company Toyota, you can expect similar levels of durability and build quality in each Scion vehicle that you buy.

The Scion xB starts at around $17,000. Perceived resale value is 58% at 36 months and 39% at 60 months.