How Does It Work
No Credit Check Car Leasing
Let’s be totally clear… We CREDIT CHECK. However, we do this to verify your ID and not to get your Credit Score!
No Credit Score Lending
Our checks are based on affordability and stability checks, we need to know who you are, what you do to earn your money and that you are living in one place without multiple addresses.
If you have CCJ’s or IVA’s, you must meet our thresholds, if you are a discharged bankrupt, we need to make sure you won’t do it again.
We accept applications for all types of bad credit
We accept applications from ll types of customers with all types of bad credit, this includes CCJ’s, IVA’s and Bankruptcy.
We Do Not Use Credit Scoring Methods
When customers need to lease or subscribe to a car or van, but they have been declined elsewhere due to no or poor credit history, we offer an olive branch.
We are different from other car lease providers:
- We only lease to individuals and businesses with bad credit
- We lease and finance the vehicles ourselves
- We do not use your credit score to make a decision
- We use affordability based lending
Apply Online
Applying online takes no more than 5 minutes, once it has been received by our underwriters, additional information/documents will be requested, these can include, but not limited to:
- Current Driving Licence
- Current Passport
- Recent Utility Bill
- Bank Statements
- Employment Details
If you refuse to provide the information, your application may be declined.
Frequently Asked Questions
Why have I been set a credit limit?
Our underwriters will set you a credit limit at the point of acceptance, this will form part of the terms offered, if you were to
Why don’t you display prices?
Unfortunately, it is not possible to display prices on the cars displayed on our website. We’ve got nothing to hide, but because we work with
Do you offer No Credit Check Car Leases?
No, we have to carry out credit checks to comply with Anti-money laundering and FCA compliance. However, we do not use your credit score to
Do you offer guaranteed car leases?
No, we do not offer guaranteed car leases. However, all of our checks are based on affordability and stability checks so if you can demonstrate
What is the documentation fee?
We charge a documentation fee on all of our contracts, this is payable before the vehicle goes out and covers administration charges, processing costs and
Will I need to put down a refundable deposit?
This all depends on what terms our underwriters set. Many of the terms offer will ask for a refundable deposit, this will be held on
