We started Suretys because our founder Josh, a millennial himself, faced the cosigning conundrum. He set his eye on a car he wanted to lease but was told, “We’d love to lease the car to you. But you need a cosigner. You’ve got enough income but lack the credit score our lender needs.” That gave him the idea for Suretys: helping people with little credit history but a solid financial history to lease cars. We want to make it easy, not awkward.

We knew that credit scores like FICO or those from the credit reporting agencies excluded good people like Josh from leasing cars on their own and forced them to get cosigners—and often a cosigner can’t be found.

Too many people end up buying less expensive, older, less reliable used cars that probably need ongoing repair. That has to change. We’ll be in our cars more and more dependent on them for our safety in the coronavirus era.

Suretys created algorithms using AI and machine learning that score loan risk without relying on conventional credit scores. It’s a completely different, fairer way to judge creditworthiness. It’s based on you, your money, and your spending. Not what some agency thinks about your use of credit.

Suretys core management team bring years of experience in IT, finance, marketing, insurance, and sales. We have held very senior roles in large, name-brand global companies, and have built or sold companies. We’re committed to making auto lease and loan finance easy for buyers, sellers, and lenders. Our goal is to help our customers get the car they want at a rate they deserve.