Vehicle leasing and customer credit rehabilitation system and method

摘要

A method for establishing lease agreement terms between a lessee and a lessor prior to entering into a lease agreement between the lessee and the lessor for leasing a vehicle to the lessee includes identifying a plurality of vehicle lease products for a particular lessee, including categorizing each identified vehicle lease product into one of at least two likelihood of lease success classes. At least one of the identified vehicle lease products for further action and an application for the selected vehicle lease product to a lessor. The lessee is rated into one of a plurality of risk categories and a security deposit amount required for the vehicle lease product is established based at least in part upon the lessee rating. Vehicle lease products may be identified and categorized based upon desired vehicle type information, lease term information, and lessee financial information entered into a computer system which includes a vehicle inventory database and software for carrying out such identification and categorization. The lessee rating may be established based upon lessee financial information into a computer system which includes a credit risk database, retrieved lessee credit history information from at least one accessible credit history database. The amount payable from the lessor to the seller is also limited in the subject method.