How Car Leasing Works
Everything you need to know about leasing a car. From choosing your vehicle to getting the keys, we make it simple.
What is Car Leasing?
Car leasing (also called Personal Contract Hire or PCH) is a way to drive a brand new car without the commitment of buying. You pay a fixed monthly amount for a set period, typically 2-4 years, and at the end you simply hand the car back.
Think of it like a long-term rental with the benefit of always driving a new car with the latest technology and safety features, without worrying about depreciation or selling the car later.
Benefits of Leasing
Why thousands of drivers choose to lease
Lower Monthly Costs
Typically cheaper than buying on finance
Brand New Cars
Always drive the latest models
No Depreciation Worry
You don't own it, so resale value isn't your concern
Fixed Costs
Know exactly what you'll pay each month
Tax Benefits
Business users can claim VAT and reduce BIK
Flexibility
Change your car every few years
How It Works
5 simple steps to your new car
Choose Your Car
Browse thousands of cars and find the perfect one for your needs. Filter by brand, body type, fuel type, and budget.
Customise Your Deal
Select your contract length (typically 24-48 months), annual mileage, and initial payment to get your monthly price.
Apply Online
Complete our simple online application. We'll run a soft credit check that won't affect your credit score.
Get Approved
Our finance team will process your application, usually within 24-48 hours. We'll keep you updated throughout.
Delivery
Once approved, your brand new car will be delivered directly to your door at a time that suits you.
Key Terms Explained
Initial Payment
The upfront payment at the start of your lease. Usually expressed as multiples of your monthly payment (e.g., 3 months, 6 months, 9 months).
Contract Length
How long you\'ll lease the car for. Common terms are 24, 36, or 48 months. Longer contracts often mean lower monthly payments.
Annual Mileage
The agreed miles you can drive per year. Typical allowances are 5,000 to 15,000 miles. Exceeding this incurs excess mileage charges.
Fair Wear & Tear
Normal use marks are acceptable when you return the car. Damage beyond this may result in end-of-contract charges.
Frequently Asked Questions
What is car leasing?
Car leasing is essentially a long-term rental. You pay a fixed monthly amount to drive a brand new car for a set period (usually 2-4 years). At the end of the contract, you simply return the car.
What's included in my lease?
Your lease typically includes road tax, breakdown cover, and manufacturer warranty. You're responsible for insurance, maintenance, and fuel.
Can I end my lease early?
Early termination is possible but may incur charges. We recommend choosing a contract length you're comfortable with from the start.
What happens at the end of the lease?
Simply return the car in good condition (fair wear and tear accepted). If you've exceeded your mileage allowance or there's damage beyond fair wear, there may be additional charges.
Do I need a good credit score?
A good credit score helps get the best rates, but we work with multiple lenders and can often find options for various credit profiles.
Ready to Start Leasing?
Browse thousands of lease deals and find your perfect car today.