Suretys provides groundbreaking PlusOne policies that are revolutionizing vehicle leasing for people with good cash flows but don’t yet have the credit history to lease or buy on their  own. Suretys policies replace the need for a parent or close relative to cosign loan and lease agreements.

PlusOne is a completely new type of insurance policy. It enables people with little credit history but good financial histories to lease or buy cars on their own. PlusOne replaces the need for a parent or close relative entirely.

Pre-approval by Suretys tells you the maximum you can comfortably afford to spend per month on the car or truck you have your eye on, and the amount we will insure. Equipped with that info, you can shop for vehicles in your price range and strengthen your bargaining position. You'll have a set upper limit you and your seller can use to make your best deal. Provided that the final price comes in at or below the approved maximum payment, you can buy the car without a cosigner. It takes just a few minutes to convert the pre-approval to a PlusOne policy.

Yes. Suretys Pre-approval are good for two weeks after they are issued. If yours expires, just re-apply by logging into your account and updating information.

Everyone is welcome to apply for Pre-approval by Sureyts or a Suretys PlusOne policy. Suretys PlusOne policies are not for people with a history of charge offs or a recent bankruptcy.

Applying for Pre-approval by Suretys or a PlusOne policy is just like applying for a credit card online.

To apply for Pre-approval by Suretys or a PlusOne policy you complete our online application. We text you with an approval decision in about 10 minutes.

Suretys treats all data with the highest levels of encryption and data security.

Suretys PlusOne policies don't only replace a cosigner, they also eliminate the annoyance, delays, paperwork hassles, document sending, and the need to have your cosigner join you when the vehicle is delivered. PlusOne policies are great solutions for people who want to buy or lease on their own, whose family or close relatives don't want to cosign, and those situations where there are willing cosigners but  they live too far away.

You may be asked to supply additional documents by one of our underwriters.

Suretys PlusOne policies cost from $20-$35 per month during the coverage period.

Suretys one-time fee may be rolled into your monthly lease payment or paid up-front.

The three major credit reporting agencies, TransUnion, Experian, and Equifax will note your monthly payment history and use that in computing your credit rating score in their systems.

As with all loans and lease agreements, you’re responsible for the full amount outstanding. If you stop paying the lease, the lender will insist that you pay. If, you can’t work something out, they’ll repossess the vehicle, then sell it at auction and file a claim with us. Suretys pays the difference between the outstanding lease amount plus any relevant fees and the auction price.