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What is Leasing?

A car lease is simply a long-term agreement that allows you to use a vehicle for a set period of time at a fixed agreed monthly price.

If you decide to lease then you can tailor the agreement to suit your needs: deciding how long you want to keep the car for, your annual mileage, and adding a servicing and maintenance package if needed.

With our simple 4 step process leasing has never been easier.

Want to know more about our process? Just scroll down to the purple section at the bottom of the page and request your free guide to car leasing. 

Why Should I Lease?

Leasing is becoming increasingly popular, and when you look at all the benefits of having a lease car it’s little surprise.

Am I Eligible to Lease?

As long as you have a full UK driving licence, can afford the monthly rentals and are over 18 then you can apply to lease a car.

There is no upper age limit to leasing a vehicle.

If you are looking to lease a vehicle through a business then please look at our Business Leasing Guide

Please note that as part of the application process there will be a credit check. If you are concerned about this then take a look at our guide to leasing with poor credit. 


How Can I Lease a Vehicle?

If you are leasing a car in your name then it will usually be through a Personal Contract Hire (PCH) Lease. 

PCH leases are similar to long-term car rental agreements, only instead of paying a large sum up front you spread the cost over the duration of the contract. You can still choose to make a larger initial payment to reduce the following monthly payments.

To see our business lease options head over to our Business Leasing Guide.

Other Things to Consider:

Who insures the car?

It will be your responsibility to insure the vehicle for the duration of the lease, and this will need to be fully comprehensive insurance.

GAP Insurance

GAP insurance will cover you if the car is written off or stolen and unrecoverable, and there is a gap between what your insurer and funder value the vehicle and remainder of the lease at. For more information on GAP insurance click here.

Can I change my mileage?

When you take out a lease you will need to choose your annual mileage allowance and if you go over the contracted mileage then there will be an excess mileage charge at the end of the lease.

Some funders will look at amending the mileage if you have a change in circumstances or end up doing more miles than expected, but usually not until you have had the vehicle for a year so that they have an accurate estimate of your annual mileage.

If you need to amend your mileage then you can just give us a call and we can request a quote for you.

Who arranges servicing?

Unless you opt for a maintenance package as part of the lease it will be your responsibility to service and maintain the vehicle, in accordance with the funder and manufacturer’s guidelines.

If you have chosen to include a maintenance package then you would need to get in touch with the provider and arrange servicing and any maintenance with them. For more information on maintenance packages click here.

What happens at the end of the lease?

When taking out a lease it is important to remember that you will be handing the car back at the end of the contract.

We will be in touch towards the end of your contract to discuss your options but you can also find a guide to the end of lease process here.

Most funders have guidelines on what condition the vehicle will need to be returned in, which are based on the BVRLA’s Fair Wear and Tear Guidelines.

Handing the car back early

If you have a change in circumstances and need to end the lease early then you would need to get an early termination quote from the funder. 

We can request this on your behalf, you will just need to get in touch with our Customer Services Team.

Please be aware that the early termination quotes are usually only valid for around 30 days. 

Once you agree to the quote and sign the necessary documents we can then arrange for the vehicle to be returned.

If you have any other questions about the personal lease process then check out our FAQs. 

Peace Of Mind

Check out one of our helpful guides or our explaination of leasing to get all your questions answered.

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