No credit check
car leasing.

It means the application is not assessed by running a credit search and reading your score. Instead the decision is based on affordability and identity — your income, your employment, your address history and your licence. It does not mean nobody looks at anything; it means what they look at is different.

No, and be wary of anyone who tells you otherwise. There is no such thing as guaranteed acceptance on a vehicle agreement in the UK. What this route removes is the credit score as the deciding factor — the provider still has to be satisfied you can afford the payments.

Proof of identity and address, your driving licence and a DVLA share code, employment details and income, and bank details for the payments. It is a more thorough application than a standard lease precisely because the usual shortcut of a credit score is not being used.

A standard lease is credit-searched and priced off the result, which is why a poor file leads to a decline or a high rate. This route sidesteps that assessment, so it opens up to people who would not pass a conventional check. The trade-off is a narrower choice of vehicles and a higher monthly cost than a prime lease.

It is one of the most common reasons people take this route. A previous decline does not carry across, because the thing that caused it is not what is being assessed. Tell us what happened and we will be straight with you about whether this is the right option.