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Frequently Asked Questions

Do I own the vehicle?

No. A lease agreement, whether Personal or Business is a fixed term hire agreement between you and the funder. The funder maintains ownership of the car, you simply get to enjoy it!

Why is leasing so good?

There are many reasons. You may want to give us a call to talk this through, so just request a call back or give us a call. Here are some of the main reasons though.

Which documents can be used as proof of identity?

Valid Driving Licence or Passport. You may also be asked to provide proof of income such as bank statements or savings accounts, mortgage statements or utility bills. If you’re unsure, just request a call back and we’d be happy to run through with you.

How old should I be before considering a lease agreement?

The minimum age when applying for a lease is 18 years old.

How long does a lease agreement last?

Well, that depends on how long you would like the vehicle. Typically speaking, we can offer you a lease agreement from 18 months through to 5 years. The cost of the lease will vary, depending on the duration. Sometimes a 3 year lease is cheaper than a 2 year, for example.

Can I apply with a provisional driving licence?

No. You need to have passed your test and be in possession of a full and valid UK driving licence at point of application.

How long does it take for me to get a car?

Some vehicles are in stock, which means delivery is typically 2-3 weeks. For vehicles coming through as a factory order, this would be based on the manufacturers lead time for the vehicle. The good news is, we work closely with our suppliers so may be able to get you into one quicker than the local dealership. Give us a call to discuss.

Is there an option to purchase at the end of the lease?

No. Leasing is based on a fixed term rental agreement, so you do not have the option to purchase the vehicle. Should you wish to do this, you may need to consider the PCP (Personal Contract Purchase) option, which tend to be a more costly alternative to a lease agreement. If you’re unsure, give us a call.

Can I keep my private plate?

Yes. We just need to get the finance company involved so they are aware, because they still own the vehicle. It’s best to have the vehicle delivered on the normal numberplates, then call the funder to change them over. This way, you still have a set of original plates to put back on before you return the vehicle.

What if my vehicle is damaged before it goes back?

Depending on the severity, you have several options. If the vehicle has been involved in an accident or has serious damage, this would be an insurance claim through your vehicle insurance provider. If it’s just a scratch or a kerbed wheel, please review our BVRLA Fair Wear & Tear Guide.

If you still have any questions, give us a call.

How does the excess mileage charge work?

If you have an annual mileage allowance for example of 8,000 miles pa over 2 years, that is 16,000 miles in total. If when the car goes back, the mileage is 16,741, the funder will charge you for the cost of the excess mileage. The rate of the excess mileage varies depending on the deal, but for this example let’s assume it’s 7 pence per mile. Your excess mileage is 741 miles, so the funder would charge you £0.07 x 741 miles = £51.87 for the extra.

Still got questions, give us a call and we’d be happy to run through.

How long does a credit check take?

Typically speaking, applications with the finance firms can be processed from between 2 hours to 72 hours. This is based on a working week.

If my credit rating isn’t great, can I still lease?

Leasing rates for vehicles is primarily designed for people with a good credit rating, as finance can be rejected if you have an adverse credit history.

The good news is, we have a solution for you! Please contact one of our team to discuss, and explain your situation so we can help advise you of the best route forward, and run through the differences on the lease. You will need to demonstrate your affordability for a car, include 3 months bank statements, proof of identity (driving licence) and a Utility bill in your name dated within last 3 months.

You should note that we cannot offer the same pricing to customers with adverse credit history. We will gladly run through the options.

Request a call back or call 0203 757 7120.

I don’t have a deposit, what do I do?

No problem. Speak to one of our team, and we will run a bespoke quote based on no upfront payment. Effectively 24 or 36 equal payments for either a 2 or 3 year lease.

Give us a call to discuss on 0203 757 7120

When do the payments start?

This varies per funder, but typically the Initial Rental is taken as a Direct Debit from your bank account 1-10 days after delivery of the car. In some cases, certain funders request the Initial Rental be paid upfront.

Does the lease include insurance?

No. You would need to ensure you have insurance on the car from the day of delivery.

Can I increase my mileage on the agreement?

The rules on this vary from funder to funder. If you’re unsure you should call the funder to ask what their policy is. If you go over you can simply pay the excess mileage fees.

Can I end my agreement early?

Terminating a contract hire agreement is not something that is possible by the nature of the agreement (fixed term rental agreement). You may be liable for the remainder of the agreement. If you’re unsure, please call us or the funder to discuss your situation.

When insuring the car, who is the Registered Keeper and Registered Owner of the vehicle?

In both cases, the finance company is the registered owner and keeper. You should ensure your insurance firm knows this is a lease vehicle and provide the information about who the funder is before taking out an insurance policy.

I can’t afford the vehicle anymore, what do I do?

We’re sorry things have not worked out for you the way you had planned. In such circumstances, you should firstly call us on 0203 757 7120 so one of our team can advise you, and then ring the finance company to discuss your options.

I’ve thought about it and it’s not right for me, can I cancel once I’ve signed?

If you’d like to cancel you order prior to delivery of the vehicle, you have the right to change your mind. A cancellation fee would need to be paid, along with any charges raised by the supplying dealership.

You should note that any vehicle sourcing fees are non-refundable.

What’s the cost of delivery?

Absolutely nothing! We offer Free Driven Delivery to mainland UK addresses. Northern Ireland, Isle of Man, and trailer deliveries will incur additional charges.

Can my partner or family member take delivery on my behalf

This is something we can arrange; however we will require written authorisation stipulating who will be taking delivery of the car. They will then need to have their ID Proof with them for delivery.