Car leasing
with an imperfect credit file.

Sometimes, but be aware that leasing funders are generally stricter than hire purchase lenders. They own the car throughout and are pricing three or four years of your behaviour, so the credit bar sits higher. It is not impossible — recent adverse credit is simply the sticking point more often than an old default.

A larger initial rental (nine or twelve months rather than three), a modest and sensibly specced car, a stable address and employment history, and being on the electoral roll. A guarantor can also unlock deals that would otherwise decline.

Hire purchase, usually. Specialist HP lenders are much more comfortable with adverse credit because the vehicle secures the agreement, and you own it outright at the end. The monthly payment is often higher than an equivalent lease, but approval odds are considerably better.

Our initial enquiry is a soft search that only you can see. A full application to a leasing funder does leave a hard footprint, which is exactly why we only submit to funders realistically likely to accept you rather than papering the market.

No, and treat anyone advertising them with real suspicion. Every regulated agreement in the UK requires a credit and affordability assessment. What we can promise is an honest read on your chances before anything hits your file.