[PeterKBMW]

Do not get offended by the outcome. When a bank sets a set of standards for their credit approvals, they have to abide by them regardless of a prospective clients situation. You may have all the money in the world but you don't have a track record for an auto loan which is a requirement. Even if you show them your bank account, they still have to obey by these rules or else they run the risk of being hit by the Department of Banking in the state they work for. Granting one person a loan but not another with the same auto credit history could be grounds for a discrimination suit (which actually did happen to a major automaker, thus causing many laws and requirements to change).

Take the one pay lease, in your situation it works great. Not only is it essentially the same as a regular lease (same residuals and rebates available), but your money factory (interest rate) is reduced which nets you a lower payment/cost.

The other benefit, which I've had clients in your situation take advantage of, is that on your credit report it looks like a regular lease. At the end of the lease, banks see 36 payments made with no derogatory marks. At this point, not only do you have history, but also a record of payment for a pricey car.

Next time you lease, it'll be an auto approval for a traditional lease.