Frequently Asked Questions

Car leasing is a way to drive a vehicle for a fixed period, usually 2–4 years, by paying monthly rentals instead of buying it outright.

At the end of the lease, you can return the car, upgrade, or sometimes purchase it. Leasing can be ideal for those who want predictable costs and the flexibility to change cars regularly.

Then your car is delivered straight to your front door. At the end of the lease, you simply hand the vehicle back and take delivery of a new car.

There are a number of benefits to leasing a new vehicle. All vehicles are brand new so therefore you benefit from all the latest technology, styling and safety of the modern day.

All cars include manufacturer’s warranty, you have your road tax included for the full duration of the contract and all vehicles are delivered & collected at the end of the agreement for free anywhere in mainland UK.

There is a lot of flexibility with leasing, giving you the opportunity to drive a new car every 2 to 4 years without having the concerns or headache of selling your vehicle.

We have 1000’s of different vehicles available to choose from. We can provide any make and model for you so the options are endless. It can get slightly overwhelming so we can help narrow down what vehicles are going to be best suited for you.

You certainly do, all finance companies will require a credit check.

We will require basic income and expenditure information, along with living and employment history. Finance companies will then carry out a credit search to check your eligibility for credit.

We deal with dealers up and down the country. We have carefully selected and developed our relationships with our trusted dealers to ensure the process is as smooth and simple as possible for you.

All vehicles will need to follow the regular servicing intervals which will vary between each vehicle and any MOT will need to be carried out if required.

Maintenance can be included but it does come at an additional charge, but all finance companies will offer maintenance packages which include all servicing and MOT’s. Some finance companies will even include perishable items like brakes, tyres etc but this isn’t always the case.

Prices will depend on the vehicle, mileage and contract length so we will provide an additional quote for any maintenance packages.

Insurance is not included in a lease vehicle. You will be responsible for organising an insurance policy ahead of delivery and for the duration of the lease.

We offer free UK mainland delivery to home or work. Collection depends on the type of contract taken. For contract hire or personal contract hire and contract purchase or personal contract purchase the finance company will collect the vehicle at the end of the contract unless you are purchasing the vehicle.

You can go to any VAT registered garage as long as they only use manufacture genuine parts. If you have a maintenance package included, then the finance company will have a list of preferred garages for your maintenance to be carried out

The initial rental is the first payment in the contract and it’s similar to a deposit but it’s part of the payments and isn’t refundable. You can choose your initial rental, and it will give you the flexibility whether you’d rather want to pay a larger sum upfront to reduce your monthly payments or if you’d rather spread the payments across the monthly payments and avoid a higher first payment.

Simply, the higher your initial rental is the lower your monthly payments are and vice versa but the overall cost of the lease will not differ massively.

Initial rentals are usually taken via direct debit about 7-10 days after delivery.

No not at all, all fees are specified in your first quotation. We do charge a £199 processing fee at the point of ordering to allow us to provide the service we do and then after that the next payment is your initial rental.v

It is important to try and decide on the suitable contract length at the start of the lease but there is the options to finish your lease early if needed. All finance companies will charge an early termination fee. This will vary depending on where you are up to in your contract and the monthly cost of the vehicle. The usual rule of thumb is they will charge 50% of the payments left on your lease but this can vary.

One potential charge would be if you exceeded your mileage allowance over the term of the contract. All excess mileage charges will vary dependant on the vehicle and finance company, but this will be specified in order forms and finance documents. The excess mileage charge is only applicable if you have gone over your mileage allowance set out at the beginning of the lease.

The other potential charge would be if there is any damage on a returned lease vehicle. We would recommend for all clients to familiarise themselves with the finance companies fair wear & tear guide showing all guidelines. Wear & tear caused from general usage of the vehicle is completed allowed and expected on a vehicle when returned, vehicles will deteriorate over time from normal usage.

Finance companies will apply charges if there is any significant damage caused from a specific incidents or accidents. This will need rectifying prior to handing the vehicle back otherwise charges will be incurred.

There are massive VAT advantages for a business lease. VAT registered businesses can claim up to 50% of the VAT and 100% of the VAT charged on the additional maintenance package.

If you are looking at vans and commercials then 100% of the VAT can be claimed back on all payments.

No not at all, we will have delivery included and organised to your front door. Everything can simply be organised over the phone therefore making the process as easy as possible.

All vehicles include at least 12 months breakdown cover from the manufacturer although most manufacturers now offer 3 years cover fee of charge. Within the car or van book pack there will be an emergency number to contact day or night.

This depends on the type of contract taken but usually you can either hand the car back, extend the contract or purchase the vehicle from the finance company (dependent upon the funder).

The cost of a car lease in the UK varies depending on the car model, lease length, mileage allowance, and any included services. On average, monthly payments can range from £150 for smaller cars to over £500 for premium models. Additional upfront payments, such as the initial rental, can also affect the cost.

Car leases often have lower monthly payments than buying with finance, as you’re only paying for the car’s depreciation during the lease period. Leasing also reduces upfront costs and avoids long-term depreciation, making it a cost-effective option for those who want predictable expenses and access to new models.

Leasing is better if you want lower monthly payments, flexibility to change cars frequently, and minimal maintenance concerns. Financing is better if you want to own the car long-term and eventually eliminate monthly payments. The best option depends on your budget, driving habits, and whether you prefer ownership or flexibility.

Yes, some leasing companies specialise in helping people with less-than-perfect credit. While approval may be more difficult and interest rates slightly higher, options are available, and working with a reputable provider can make leasing accessible even with a poor credit history.

Returning a leased car is straightforward. At the end of your contract, the leasing company will arrange a collection or drop-off. A final inspection is conducted to check mileage and condition. Any excess mileage or damage beyond normal wear and tear may incur additional fees.

Swapping a leased car mid-contract is possible but may involve early termination fees or adjustment of monthly payments. Some providers offer flexible upgrade options that allow you to change vehicles during your lease period.

Most leased cars include roadside assistance as part of the package, covering breakdowns, towing, and emergency support. Always check your lease agreement to confirm the level of coverage included.

Yes, business car leasing is very common. Companies can lease vehicles for employees or company use, often with VAT advantages and predictable monthly costs. Business leases also allow access to newer models without large upfront capital expenditure.

Yes, businesses can usually claim the lease payments, running costs, and sometimes VAT as business expenses, depending on the vehicle’s use. Fully business-use vehicles allow full VAT recovery, while mixed-use vehicles allow partial claims.

The best car leasing deals change frequently depending on manufacturer promotions, stock availability, and seasonal offers. Checking with multiple providers and comparing current deals can help you secure the most competitive lease for your preferred model.

Stock availability varies by provider and location. Popular models, including hatchbacks, SUVs, and electric vehicles, may have limited availability, so it’s best to check online or contact your leasing company directly to see which vehicles can be leased immediately.

1. Best Car Leasing Options for UK Small Businesses?

For UK small businesses, the best car leasing options depend on budget, business needs, and tax considerations. Contract hire and finance lease are the most popular:

• Contract Hire: Fixed-term, fixed-cost lease with maintenance included, providing predictable monthly costs.

• Finance Lease: Lease with the option to buy at the end of the contract, beneficial for businesses that want to invest in assets.

When choosing a lease, consider: monthly budget, vehicle type (cars, vans, electric or hybrid), mileage limits, and maintenance packages. Fully maintained leases help businesses save money and simplify fleet management.

2. How to Lease a Van In the UK for My Business?

Leasing a van in the UK is straightforward and cost-effective. Steps to follow:

1. Choose the van size and type based on your business needs (e.g., delivery vans, long-wheelbase vans, electric vans).

2. Decide on lease type, typically contract hire, which includes maintenance and predictable monthly costs.

3. Determine mileage allowance and lease term to avoid extra charges.

4. Compare quotes from multiple UK leasing providers to find the best deal.

5. Submit business documents like proof of trading and bank statements.

6. Sign the contract and take delivery of the van.

Leasing a van reduces upfront costs, provides predictable payments, and often includes maintenance packages, making it ideal for small businesses and sole traders.

3. Leasing High-End Premium Vehicles in the UK?

Leasing high-end vehicles in the UK allows businesses and individuals to access luxury or performance cars without large upfront costs. Popular brands include Jaguar, BMW, Mercedes, and Audi.

Benefits of leasing high-end vehicles:

• Lower initial cost compared to buying.

• Fixed monthly payments for predictable budgeting.

• Fully maintained lease options covering servicing, tyres, and repairs.

• Flexible lease terms with upgrade options at the end of the contract.

High-end leasing is ideal for businesses wanting impressive fleet vehicles or individuals seeking the latest models with predictable costs.

4. Can I Lease a Car With Bad Credit in the UK?

Yes, it is possible to lease a car with bad credit in the UK. Some leasing providers specialise in business and personal leases for all credit types. To improve your approval chances:

• Provide proof of income or business trading history.

• Choose vehicles with lower monthly payments.

• Consider guaranteed acceptance leasing providers.

This makes leasing accessible for UK small businesses, sole traders, and individuals who want predictable monthly payments despite credit challenges.

5. What is the Difference Between Contract Hire and Finance Lease?

• Contract Hire: Fixed-term lease with set monthly payments, often fully maintained. Ownership remains with the leasing company.

• Finance Lease: Lease that may allow ownership at the end of the term, usually requiring a larger deposit.

For UK businesses, contract hire is preferred due to predictable costs, maintenance coverage, and simplicity, while finance lease suits companies looking to own vehicles long-term.

6. Can I Lease an Electric Van in the UK for My Business?

Yes! Leasing electric vans is increasingly popular for UK businesses aiming to reduce fuel costs and emissions. Benefits include:

• Lower running costs compared to petrol or diesel vans.

• Government grants and incentives for electric vehicles.

• Fully maintained lease options covering servicing, tyres, and charging solutions.

Leasing electric vans is ideal for delivery fleets, small businesses, and eco-conscious companies looking to reduce their carbon footprint while maintaining predictable monthly payments.

7. What is a Fully Maintained Car Lease and Why is it Important?

A fully maintained lease includes servicing, MOTs, tyres, and sometimes breakdown cover in your monthly payments. Benefits include:

• Predictable monthly costs for your business or personal use.

• Reduced administration and downtime.

• Protection against unexpected repair bills.

Most UK small businesses and fleet operators prefer fully maintained leases to simplify budgeting and ensure vehicles are always in optimal condition.

8. How Much Does it Cost to Lease a Business Car in the UK?

The cost depends on:

• Vehicle type (small car, van, or high-end model).

• Lease term (usually 24–48 months).

• Mileage allowance.

• Maintenance packages.

On average, UK small businesses can lease a mid-range vehicle from £150–£400 per month fully maintained. High-end vehicles are more expensive but provide predictable costs, maintenance coverage, and potential tax advantages.

9. Can I Lease a Van as a Sole Trader in the UK?

Yes, sole traders can lease vans using either their business or personal name. Leasing companies typically require:

• Proof of trading for at least 6-12 months.

• Business bank statements.

• Identification documents.

Leasing a van as a sole trader allows you to avoid high upfront costs, benefit from predictable monthly payments, and upgrade vehicles regularly as your business grows.

10. What are the Best Vehicles for UK Small Business Fleets?

The best vehicles depend on business needs:

• Small cars: Efficient, low running costs (e.g., Ford Puma, VW Polo).

• Vans: Medium and large delivery vans (e.g., Ford Transit, Mercedes Sprinter).

• Electric vehicles: Volkswagen Transporter, Tesla, or electric vans for eco-friendly businesses.

• High-end vehicles: Mercedes-Benz, BMW, Audi for client-facing or premium fleets.

Choosing the right fleet ensures cost-efficiency, reliability, and suitability for your business operations.

11. How Does Mileage Affect a Car or Van Lease?

Leasing contracts include a set annual mileage allowance. Exceeding it can result in additional charges. To avoid this:

• Estimate your yearly mileage accurately.

• Choose a lease plan that matches your usage.

• Consider flexible mileage plans if your business grows.

Proper mileage planning is essential to avoid unexpected costs at the end of your lease term.

12. Can I Lease a Luxury or High-Performance Car for Personal Use in the UK?

Yes. UK leasing providers offer leases for high-end cars with benefits such as:

• Fixed monthly payments.

• Maintenance packages included.

• Flexible lease terms (24–48 months).

Leasing luxury vehicles is ideal for individuals or businesses wanting the latest models with predictable costs and hassle-free servicing.

13. What Documents are Needed to Lease a Car or Van in the UK?

Typical requirements include:

• Proof of identity (passport or driving license).

• Proof of address (utility bill or bank statement).

• Business documents (VAT registration, bank statements, proof of trading).

Having documents ready can speed up approval and delivery and help secure the most competitive leasing deals.

14. Can I Upgrade or Change My Lease Before it Ends?

Some UK leasing providers allow lease upgrades or swaps, especially for business fleets. Benefits include:

• Access to the latest vehicles.

• Adjusting mileage allowances.

• Switching to electric or hybrid vehicles.

Always check lease terms to avoid penalties when upgrading or swapping vehicles.

15. Is Leasing Better Than Buying a Car for My Business?

Leasing offers several advantages over buying:

• Lower upfront costs.

• Predictable monthly payments.

• Tax benefits (lease payments often deductible).

• Flexibility to upgrade vehicles regularly.

Buying may be better if you want long-term ownership, but leasing is more budget-friendly and flexible for UK small businesses and sole traders.

16. How Do I Find the Best UK Car Leasing Deals?

• Compare multiple leasing providers online.

• Look for fully maintained packages to reduce hidden costs.

• Take advantage of seasonal offers and manufacturer deals.

• Check reviews and reputation of providers.

Using a trusted UK broker can save time and money while giving access to exclusive deals.

17. Can I Lease a Car with Zero Upfront Cost?

Yes, some UK leasing providers offer zero-deposit leases, spreading the cost over the lease term. Benefits include:

• No large upfront payment.

• Predictable monthly budget.

• Optional maintenance packages included.

Zero-deposit leases are popular with small businesses, start-ups, and sole traders seeking budget-friendly options.

18. How do Electric Vehicle (EV) Leases Work for Businesses?

EV leases include:

• Fixed monthly payments.

• Maintenance packages covering tyres and servicing.

• Charging solutions and government incentives.

Leasing EVs helps UK businesses reduce running costs, lower emissions, and meet environmental regulations while maintaining predictable costs.