25350 Pleasant Valley Rd Suite 108 Chantilly, VA 20152 703-910-3593

FlexLease Rent2Own FAQs


ALM Leasing & Rentals gives little importance to your credit score. We look at your income, your stability, and your references as the primary factors and use that information to help determine the level of payment you can afford. We tailor your monthly payments to fit your finances!


This is the PERFECT program for you. If you think you won't be able to qualify for the FlexLease program when others have told you "NO", ALM Leasing & Rentals can say "YES"! You are not applying for a loan. You work with us to determine a payment level you can afford and then we will match you up with the right car!



When most people think of leasing or long-term rental, they think of the TV commercials advertising leasing of brand new vehicles. Obviously, new vehicles are much more expensive than used vehicles so it's only natural to assume that renting/leasing is for rich people. This couldn't be further from the truth when it pertains to our program. The ALM Leasing & Rental FlexLease Rent2Own Program is a good fit for people of all income levels because we match you to the vehicle that best fits your budget. Here is how we stack up against traditional car loans:

Car Loan
You pay a high down payment because of your credit score when you get your car, and get interest rates in the 20% + range. Monthly payments are typically for 4-7 years. You will most likely owe more than what the car is worth after one year with it. In case of an accident, you will owe the finance company a lot more than what the insurance will pay including GAP Coverage.

ALM FlexLease Rent2Own
You pay a lower Start Payment when you get your car and weekly or bi-weekly payments with the ability to return the car or buy it at any time.


Not always, If you are the type of customer who trades in a car before it's paid off, then you are probably losing money with each trade, making "buying" the car more expensive. Auto Loans when you have a low credit score require high down payments with interest rates in the 20% to 30% range. In the case of most FlexLease rent2own customers, you can't get financing to buy a car so being cheaper or more expensive really isn't the issue. The issue is that you need an affordable car and ALM Leasing & Rentals can get you in one through our FlexLease Rent2Own program.


ALM Leasing & Rentals offers realiable and cost effective vehicles Pre-Owned and Certified Pre-Owned. You will often find vehicles between 2 and 6 years old and in good condition many still under manufacturer warranty. Are they perfect? No...but we are picky about which vehicles we offer on the program. Most vehicles come with an engine and transmission warranty to cover costly repairs.


It's true! Right in the agreement you will see the proof! Our unique FlexLease contract states that "You may voluntarily terminate this lease, without penalty, before the end of its term." No questions are asked. Just turn in the keys, leave the vehicle in good condition, be current on your payments and you can walk away with no further penalty. No repossession will appear on your credit history. When you get back on your feet financially, come back and we can help get you back into another car.


Of course! You can terminate your FlexLease agreement at any time, for any reason, so it's definitely possible and easy to change vehicles.


Your name is on the title and registration, and ALM Leasing & Rentals owns the car.


There is no catch - it's really as good as it sounds! What other program out there will help you get into a vehicle at a payment level that fits your budget, a transportation provider that won't judge you based on your credit score, and a team that genuinely wants to help you and keep you as a long term customer? What other program lets you return the car at any time, for any reason, without questions and will still welcome you back into another vehicle once you get on your feet again? Don't settle for anything less! Apply Now!

Rent2Own Benefits

What do I need to bring to Qualify?

What are the benefits of ALM Rent2Own?


You're in the driver's seat. Whether you have challenged credit, no credit, or blemishes on your credit, we can help!Your application will be processed promptly. Get Started Now!


We focus on your stability in the community and your ability to pay. Requirements include a current driver's license, your last 2 paystubs, a current rent, lease, or mortgage receipt and a utility bill. Be prepared to supply references as well. You can get a car even with bad credit!


ALM Leasing & Rentals vehicles are quality checked so you can be sure you're getting reliable transportation. Most vehicles come with an Engine & Transmission warranty so you don't need to worry about costly repairs.


We will work with you to agree on a weekly or bi-weekly payment that you can afford in your budget. The goal isn't to just sell you a car - we want you as a long term customer! You can be sure you'll be treated with respect and matched up with a payment that will work for you for the long run!


ALM Leasing & Rentals Rent2own contracts vary in length, payment frequency, and payment methods to accommodate your budget and situation. This flexibility is another great reason why our rent to own and lease to own programs are a great alternative to a car loan or other types of car financing.


We understand that life happens and circumstances change. ALM Rent2Own provides you with an alternative to high interest rate financing and owning a liability. Our rent to own program offers you freedom and flexibility! If you get into a financial bind, return the car with no questions asked! When you get back on your feet financially, check back with us to start a new contract

What's Vanpooling

Take the Stress Out of your Daily Commute

There is a Smarter way to Commute

If you live in the Washington DC Metro Area, driving through heavy traffic is probably a big part of every workday. ALM Rideshare believes it does not have to be.

How ALM Rideshare Works

  1. ALM Rideshare identifies 7-12 of like-minded professionals who live and work near you, and map ideal routes.
  2. Each morning, the group meets at a central location and board a spacious and reliable van.
  3. They enjoy quicker commutes thanks to free use of the I-95 and I-495 Express Lanes, plus access to HOV lanes on I-395, the Dulles Toll Road, I-66.
  4. At the end of the day, they meet again at a central location and ride together back to the meeting point. 
  5. Vanpool participants share the driving responsibilities, rotating daily or weekly.
  6. Rotating daily or weekly contributes to reduce stress since one person does not have to battle rush-hour traffic every day.
Getting started is easy. Just use our free Route Finder to learn all about vanpools that could work for you 

Why Vanpool?

Some of the overall advantages of vanpooling include the following:

  1. Less stress commuting to and from work
  2. Financial savings due to shared commuting costs 
  3. Reduces need for parking
  4. Increases free time for riders
  5. If an HOV lane is available, trips may take less time
  6. Reduces pollution due to auto emissions
  7. Eligibility to receive up to $255 in tax-free transportation benefits from your employer.

Learn About Financing

Your guide to vehicle financing

Need Financing?

We're eager to help your find the right financing solution for your car. At ALM Leasing & Rentals financing is stress-free, quick, and transparent.

Submit your Finance Application, and we’ll respond within an hour (during our normal business hours). You can also call us at 540-755-2072 with questions or to apply for credit.

We work with several well-known financial institutions including local Credit Unions help you finance your car. Our financing solutions are very competitive and available to a broad range of customers with varying credit profiles. We have a solution for your regardless of your credit profile.


Low interest car loans are available for customers with existing loans. We can also help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing.


Vehicle Financing 101

Understanding the mechanics of your vehicle loan may help you establish a successful and manageable borrowing strategy.


Benefits of financing before shopping

§  You can keep negotiations focused on the actual price of the vehicle, not just on monthly payments, because you know your terms going into the purchase discussion

§  You can accurately anticipate what type of rate, fees, and monthly payments to expect.

§  You are able to review loan documents at your own pace and get to shop like a cash buyer.


Considerations before signing

§  Interest rate. Confirm the annual percentage rate (APR) of your loan. Determine if the loan has a fixed rate (monthly payments and rate remain the same) or an adjustable rate (monthly payments and rate can change). Your interest rate and monthly payments will depend on your credit, your income, and your vehicle preference. Interest rates on new vehicles are often lower than used vehicles.

§  Total amount financed. Be sure the amount on your loan documents is the same as what you asked for. Consider local taxes when determining the total dollar amount to be financed. Check your county and state website for more information on local taxes.

§  Your monthly payments. Make sure your monthly payments can be maintained within your monthly budget.

§  Possible hidden charges. Credit insurance or other fees may be included in some car loans. Consider paying for these services only if you need them.

§  The length of your loan. Car loans generally range from 36 months to 72 months. Longer terms can lower your monthly payments but could cost you more over the life of the loan.


Increase your likelihood of approval

§  Knowing your credit score will help you plan a realistic approach toward financing your next vehicle. While you can still get approved for a loan with a lower credit score, you may have a higher interest rate.

§  If this is the case, or if your credit score is too low for approval, consider signing with a co-applicant. A co-applicant is an individual that enters the loan with you, and may maintain part ownership of the vehicle under that loan so you can potentially get  approved.


Goodbye to Long-Term Leases!

Say Hello to Freedom with ALM FlexLease!


No Commitment 

Zero-Term…Drive your Car for as long as you’d like, and buy or return it any time.

Competitive Prices & No Hidden Fees

Your low monthly payment includes Limited Warranty, Routine Maintenance and Road Side Assistance, GAP Waiver Coverage, and Taxes.

Flexible Vehicle Exchange Options

Upgrade Vehicle anytime and existing members get preferred rates or short-term rentals or replacement vehicles.

Online Everything!

Ditch the 6-hour Traditional Dealership experience and hassle. Do it all online from your computer and get the vehicle delivered to your home.

Flexible Payment Terms

We look beyond your credit score. Our goal is to get you into a car that fits your budget.

Leasing vs. Buying a Car

Leasing vs Buying Guide 

Leasing: The Future of Car Ownership!

Automotive lease volume reached an all-time record level in 2016 of 4.3 million vehicles and accounted for 31 percent of all new vehicle sales. Nearly one third of millennials who purchased a new vehicle in 2016 decided to lease. For decades now, a sizeable proportion of luxury cars have been leased. But that has changed, with more compact cars, mainstream sedans, and small SUVs entering the new-car lease market, as well. Attractive finance rates have made some leases pretty good deals.

How Loans and Leases Differ





You own the vehicle and get to keep it as long as you want it.

You don’t own the vehicle. You get to use it but must return it at the end of the lease unless you decide to buy it.

Up-Front Costs

They include the cash price or a down payment, taxes, registration, and other fees.

They can include the first month’s payment, a refundable security deposit, an acquisition fee, a down payment, taxes, registration, and other fees.

Monthly Payments

Loan payments are usually higher than lease payments because you’re paying off the entire purchase price of the vehicle, plus interest and other finance charges, taxes, and fees.

Lease payments are almost always lower than loan payments because you’re paying only for the vehicle’s depreciation during the lease term, plus interest charges (called rent charges), taxes, and fees.

Early Termination

You can sell or trade in your vehicle at any time. If necessary, money from the sale can be used to pay off any loan balance.

If you end the lease early, charges can be as costly as sticking with the contract. On occasion a dealer may buy the car from the leasing company as a trade-in, letting you off the hook.

Vehicle Return

You’ll have to deal with selling or trading in your car when you decide you want a different one.

You return the vehicle at lease-end, pay any end-of-lease costs, and walk away.

Future Value

The vehicle will depreciate, but its cash value is yours to use as you like.

On the plus side, its future value doesn’t affect you financially. On the negative side, you don’t have any equity in the vehicle.


You’re free to drive as many miles as you want. But keep in mind that higher mileage lowers the vehicle’s trade-in or resale value.

Most leases limit the number of miles you may drive, often 12,000 to 15,000 per year. (You can negotiate a higher mileage limit.) You’ll have to pay charges for exceeding your limits.

Excessive Wear and Tear

You don’t have to worry about wear and tear, but it could lower the vehicle’s trade-in or resale value.

Most leases hold you responsible. You’ll have to pay extra charges for exceeding what is considered normal wear and tear.

End of Term

At the end of the loan term, you have no further payments and you have built equity to help pay for your next vehicle.

At the end of the lease (usually two to three years), you can finance the purchase of the car, or lease or buy another.



Loaner Car Program

There is finally a better way to manage your Loaners!


Loaner Cars Benefit your Auto Repair and/or Body Shop.

  • One of the biggest points of stress for customers bringing their vehicles in for repairs is a lack of transportation.
  • When customers get their car fixed, they’re concerned about how they’re going to get to work, to the store, to their kid’s school. Everyone wants to stay on the go. Shuttle service isn’t enough.
  • Loaner vehicles creates a lot of customer loyalty. It is a powerful marketing tool, and it makes the customer’s decision a lot easier about where they’re going to go for service.
  • It also allows the shop to stockpile work and stay busy. Customers can drop off vehicles, pick up a loaner car while the shop fits the repairs in the schedule.
  • Improves customer services when running into a problem with a repair, such as wrong parts, or delay in delivery. The customer isn’t as upset as they have a car to get around. 

Let ALM Leasing & Rentals help you boost customer services and improve your bottom line

  • ALM Leasing & Rentals specializes in replacements vehicles and fleet management.
  • Cost Control:  Our managed loaner cars program allows repairs and body shops to control expenses by only paying for loaners when customers need a vehicle.
  • Limited Risk: Reduce liability for negligent “entrustment” and other risks that come with managing a fleet of rental vehicles.
  • No start-up costs, loaner car application and support is included
  • Attractive prices starting a $25/Day
  • Professional staff, innovative electronic business technologies, and strong business-building solutions
  • Keep your shop busy:  The ALM Loaner car program allows shops to stockpile on work and stay busy. Customers can drop off vehicles, pick up a loaner car while the shop fits the repairs in the schedule.

To learn more about ALM Leasing & Rentals call 540-755-2072 complete the contact sheet below to have someone contact you.

Business Rental Program

ALM Leasing offers customized business rental programs to help small and mid-sized businesses meet their transportation needs. Current clients include DayCares, Learning Centers, Hotels, Real Estate Brokerage Firms, Churches, Small-Business with 1 to 30 employees.

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