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Q & A Session - How do I lease a car?

Do you need a credit check?

Yes. This is one of the most important aspects when entering into any form of financial contract. Information that will be requested may include; how long you have been a resident at your current address, where you work and your level of income. This is usually done via a simple form that can be emailed to you, completed online or in office. 

This information will then be submitted to our financial partners who will then run a credit check, assessing if you are eligible for the vehicle you are interested in leasing. Information that we receive is never passed on to any third parties. We operate under strict confidential data processing guidelines to protect your identity and personal information.

What documentation do I need to provide?

Documentation is needed in order to verify who you are and where you live. As with the credit check, we will request copies of your driving license and a recent copy of a utility bill from the last 90 days. Both of these documents must correspond with your current address. If you have recently moved house or are not listed on the electoral roll we may ask for further documentation.

If I have poor credit can I still lease a car?

Yes. Lease cars are available even with a poor credit. We work with a range of funding partners who can approve those with lower credit scores. Bear in mind that the vehicles offered may be at a different price to the advertised rate in these circumstances.

How does the process work after I make an enquiry?

After submitting an enquiry, a member of our team will be in touch with you; normally within the next hour although this can change depending on peak times and opening times. Once we’ve spoken with you and understand what you’re looking for we will have a run through the options available to you personally, and what the best choice may be.

If you are happy with the quote and service offered, we will forward on a fully detailed quotation that lists everything discussed and breakdown of all costs. A proposal form is sent through too for your convenience. Once you’ve had time to read the quotation and if you agree, you can fill in the proposal form and send it back to us, either via email or post or by using our online form.

Once the proposal has been approved, we will send you a final order form for the vehicle that you’ve selected. This is where you can decide which colour, level of trim and which extras you would like included. Our sales support team are able to look after all the official documentation and talk through any additional information we may need from you.

Once all the signed documents are in place and your vehicle is ins stock, we can arrange for it to be delivered to your home or work address during the working week Monday – Friday.

How old do I need to be to lease a car?

To take out a finance agreement you need to be at least 18 years of age. It is recommended to have a guarantor such a as a parent, guardian or relative that you share an address with if you do not have a credit history.

Do I need a driving license to lease a car?

Yes. To lease a vehicle you need a valid full UK Driving license.

How long will it take to lease a car?

The time between choosing a vehicle and sitting in the driving seat can be a few days to a few months. The time depends on the vehicle you have requested, whether the car is in stock on site at a dealer who is able to approve credit and if all the documentation is completed. It may take slightly longer if it is a Personal Contract Hire or a regulated agreement. 

Who supplies the vehicles?

All vehicles are supplied by UK dealer groups from UK manufacturers. Service level agreements are in place to ensure that you get the best delivery experience available. We monitor our suppliers daily to ensure the highest quality service. We welcome feedback as your experience is important to us.

Will I get a manufacturer’s warranty and breakdown cover with my lease car or van?

Yes. Unless otherwise stated, all lease cars and vans supplied are brand new with full UK manufacturer’s warranty. As a minimum, breakdown cover is concluded for the first year. For a small extra charge this can be extended for the duration of your lease contract.

Is there a minimum contract length?

Most of our contracts are for 2, 3, and 4 years. Depending on your requirements, longer leasing terms can be agreed upon, such as 5 years to fit your costs and vision.

Do I get insurance included?

No. Lease Car Insurance is not included in our deals. All cars need to be covered by fully comprehensive car insurance policies and proof must be supplied to us that this has been undertaken. In a nutshell, the leasing company are held as the registered owner, and you are the registered keeper of the vehicle.

Do I get maintenance included?

No. But this can be added as part of the contract as an optional extra. The pricing of the vehicle payment plan may change if this is included. Additionally, the maintenance overage may differ depending on which finance company is used. What is usually covered are: all general servicing including tyres, brakes, exhausts, battery and labour. This can ease your mind without the worry of unexpected costs.

Is road tax included?

Yes. All monthly payment plans include the road fun license for all contracts, both Business and Personal Contract Hire deals.

How does initial rental work, and what is it?

The initial rental is the first payment towards your contract. You can opt to pay for several months upfront, although typically it is between three and twelve months that are paid in this way. If more is paid up front with the initial rental payment then all subsequent payments will be lower accordingly. The exact amount depends on each car, payment timeline and amount paid up front.

How do I pay?

Payments are via direct debit, billed on a monthly basis. The initial monthly rental is typically paid at the same time as the vehicle delivery.

What happens if I go over the mileage limit that was agreed in advance?

Leasing prices are based upon the annual mileage allowance, which takes into consideration vehicle depreciation and fair wear and tear. If the mileage allowance as exceeded there will be a small charge to bring the contract back in line with the depreciation that has occurred, usually on a scaling basis. Charges can vary between finances companies, but we will make sure you understand and are aware of these charges before agreeing to your lease contract.

An example is, if your excess mileage charge is agreed is 6p per mile, and you returned your vehicle with 1000 miles over the level agreed in your contract, the excess mileage charge would be £60. However, if the mileage was exceeded by 10,000 miles, then the per-mile charge is likely to increase.

Can the mileage allowance be changed after I have signed my contract?

Yes. Mileage allowance can be adjusted during the contract if circumstances change, whether you are doing fewer miles than anticipated or more. Simply get in touch, either if your circumstances have changed or if you believe the mileage allowance is incorrect.

Are there advantages to running the car through my business rather than personally?

Yes. The main advantage of running a vehicle though your business is that some of the VAT can be claimed back on the monthly rentals in addition to tax advantages

What happens to the car at the end of my contract?

If the vehicle has been service in accordance to the service schedule laid out by the manufacturer and is deemed to be within the fair wear and tear conditions, there should not be any extra charges to be considered. Please always make sure to read the conditions of any financial agreement to be fully aware of all the possible end of contract payment obligations. Multiple options are available at the end of your contract depending on the finance company, vehicle and duration.

New contracts with a new vehicle can be started if wished, but you can also buy your current vehicle to become the legal owner or extend the current contract.

Are personalised number plates allowed?

Yes. Personalised number plates are allowed, however as you do not legally own the care, the plates are the property of the funder until they are signed over to you  in accordance the DVLA rules.

Any costs for this are your own responsibility. It is advised to get in touch with us at least three months before the end of your contract term so we can advise you about transferring ownerships of the plates.