No credit check
van leasing.

It means the application isn't assessed by running a credit search and reading your score. Instead the decision is based on affordability and identity — trading income, employment or business history, address history and ID. It doesn't mean nobody looks at anything; it means what they look at is different.

No, and be wary of anyone who tells you otherwise. There's 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 the van is affordable.

Proof of identity and address, your driving licence and a DVLA share code, evidence of trading or employment income, and bank details for the payments. It's a more thorough application than a standard lease precisely because the usual shortcut of a credit score isn't 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 businesses that wouldn't pass a conventional check. The trade-off is a narrower choice of vehicles and a higher monthly cost than a prime lease.

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