FREQUENTLY ASKED QUESTIONS

Gusto Auto is a family-run car leasing broker with over 15 years of experience. We work through a local network across NYC, New Jersey, Connecticut, and Pennsylvania to find you the best lease deals. Our brokers handle negotiations, paperwork, and coordination so you can focus on driving.

No. Our service is free to you. We are paid by partners when a deal is successfully placed. That means you get expert guidance and access to competitive offers at no extra cost.

We serve New York City (Brooklyn, Manhattan, The Bronx, Staten Island, Queens), New Jersey, Connecticut, and Pennsylvania.

We've been helping customers find the perfect lease deals since 2008 - that's over 15 years of experience in the car leasing industry. We're a family-run business that takes pride in building long-term relationships with our customers.

It's simple. 1) Tell us what you want, 2) We source the best options through our local network, 3) You choose your favorite, 4) We handle paperwork and coordination, 5) You get the keys and start driving.

Most approvals happen within 24-48 hours, sometimes even the same day. We work with multiple lenders and partners, so we can often find options even if you have challenging credit. Our experienced brokers know which lenders to approach for different situations.

No. We do the legwork for you. You do not need to visit multiple places or deal with pushy salespeople. We bring you the best options and handle negotiations.

You'll need: Driver's license, proof of income (pay stubs, tax returns, or bank statements), proof of residence (utility bill or lease), and insurance information. We'll guide you through exactly what you need based on your specific situation.

While a higher credit score (700+) gets you the best rates, we work with customers across the credit spectrum. We have relationships with lenders who specialize in different credit situations, including subprime lending. Let us know your situation and we'll find options that work for you.

We don't pull your credit until you're ready to move forward with a specific deal. Our initial consultation and deal-finding process doesn't impact your credit score at all. We only run credit when you've found a car you love and are ready to proceed.

Yes! We work with specialized lenders who understand that everyone deserves a chance to drive a reliable car. While the terms might be different, we can often find lease options even with challenging credit situations. Our brokers are experts at finding the right lender for your specific needs.

Leasing means you're paying for the use of the car over a set period (usually 2-3 years), then you return it. Buying means you own the car after making all payments. Leasing typically has lower monthly payments and you get a new car every few years, but you don't build equity.

We have strong relationships across our local network and access to programs that are not always easy to find as an individual. Our volume gives us leverage to negotiate better terms, and we track incentives across brands.

Often, yes. Many incentives and broker programs are easier to access through our network. We also comparison shop across options so you do not have to worry about missing a better deal elsewhere.

Yes! We specialize in both personal and business leases. Business leases often have tax advantages and different terms than personal leases. Our brokers understand the complexities of business leasing and can help you structure the deal to maximize your benefits.

That's our job! We negotiate everything on your behalf - the price, money factor (interest rate), residual value, and any fees. You don't have to worry about the back-and-forth or knowing what to ask for. We handle all the negotiations to get you the best possible deal.

You have three options: 1) Return the car and lease a new one (our favorite option!), 2) Buy the car for the predetermined residual value, or 3) Walk away if you've stayed within your mileage and the car is in good condition. We'll help you decide what makes the most sense.

Most leases have a mileage limit (usually 10,000-15,000 miles per year). If you go over, you'll pay a per-mile fee (typically 15-25 cents per mile). We can help you estimate your driving needs upfront and choose the right mileage allowance, or find deals with higher limits.

Yes, but there are usually fees involved. However, we can often help you transition to a new lease early if you're upgrading or your needs have changed. We work with programs that can help minimize early termination costs.

No problem! Most leases are portable, meaning you can take your car with you when you move. We can help you understand any requirements or fees associated with moving your lease to a different state.