Do Car Leases Appear on Your Credit Report?

Yes, car leases do appear on your credit report! They typically appear on your credit report as “installment loans” or “installment accounts.” An installment loan refers to a type of loan that requires you to pay a certain amount of money in a fixed amount of time. A car lease is listed under the installment accounts section of your credit report because it requires you to make a payment every month for a specific number of months.

Depending on the credit bureau (Experian, Equifax, or TransUnion) and the type of credit scoring being used, your credit report could also include details that lists how much is left to be paid or even the total sum that you are obligated to pay by a specified number of months. The term, or total number of months, can also be listed.