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Based on your situation, here's my tailored advice:

1. Credit Score Consideration:

A 620 credit score is on the lower end for car leases. Most lenders prefer scores of 700+ for the best terms. However, your high income ($115k/year) is a significant positive factor.

2. Lease Possibility:

You might be able to secure a lease without a co-signer, but expect less favorable terms:

• Higher interest rates

• Larger down payment requirement

• Potentially higher monthly payments

3. Income Strength:

Your high income will work in your favor. Lenders will consider your debt-to-income ratio, which should be strong given your salary.

4. Improve Credit Quick:

• Pay down your maxed-out credit card immediately

• Ensure all current bills are paid on time

• Consider requesting a credit limit increase on your card

5. Alternatives to Consider:

• Look into a certified pre-owned vehicle instead of a new lease

• Consider a short-term (12-24 month) lease to build credit for a better deal later

• Explore buy-here-pay-here dealerships as a last resort, but be cautious of high interest rates

6. Preparation:

• Gather proof of income, residence, and any positive payment history

• Be prepared to explain your credit situation and recent divorce

Given your income, you have a good chance of securing a lease, but be prepared for less-than-ideal terms. Focus on improving your credit score quickly, and consider all options before committing to ensure you get the best possible deal.