We study gravitational lensing by spiral galaxies, using realistic models consisting of halo, disk, and bulge components combined to produce a flat rotation curve. Proper dynamical normalization of the models is critical because a disk requires less mass than a spherical halo to produce the same rotation curve---a face-on Mestel disk has a lensing cross section only 41% as large as a singular isothermal sphere with the same rotation curve. The cross section is sensitive to inclination and dominated by edge-on galaxies, which produce lenses with an unobserved 2-image geometry and a smaller number of standard 5-image lenses. Unless the disk is unreasonably massive, disk+halo models averaged over inclination predict \lesssim 10% more lenses than pure halo models. Finally, models with an exponential disk and a central bulge are sensitive to the properties of the bulge. In particular, an exponential disk model normalized to our Galaxy cannot produce multiple images without a bulge, and including a bulge reduces the net flattening of edge-on galaxies. The dependence of the lensing properties on the masses and shapes of the halo, disk, and bulge means that a sample of spiral galaxy lenses would provide useful constraints on galactic structure.

27 pages, 7 postscript figures, submitted to ApJ