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Bad Credit Car Leasing and Car Finance

Compass Vehicle Services specialise in bad credit car leasing, offering affordable bad credit car finance for businesses and individuals with poor credit.

Simple Application

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Quick Decision

How it works

Nationwide Delivery

Delivery Options

We Accept

IVAs

CCJs

Bankruptcy

And All Bad Credit

Got Bad Credit? Decision not based on credit score.

Compass Vehicle Services specialise in bad credit car leasing, offering affordable bad credit car finance for businesses and individuals with poor credit.

At CVS Ltd we offer two types of lease contract – Personal car leasing (Personal contract hire) and Business car leasing (Business contract hire). Our typical contract length is 3 years with a fixed monthly cost and high mileage limit as standard.

CVS offer nationwide car leasing, so no matter where you live in the UK you can drive one of our lease cars or vans.

We understand the frustration a bad credit score can cause when you need car finance to lease a new car or van – worrying that you won’t get a finance deal after a credit check.

If you are looking for a car or an entire fleet of vans but you have less than perfect credit – you have come to the right place.  We can offer the widest range of contract hire and leasing vehicles – tell us what bad credit car or bad credit van you want.

How it works

Choose the car you want

Choose the car or van you want and we will source the vehicle and lease it back to you.

Pay fixed monthly payments

Make an initial payment (first payment) and pay fixed monthly repayments for the length of your lease.

Return the vehicle at the end of the Lease

Simply return the car or van at the end of your lease in good order and meet the fair wear and tear guidelines,.

Learn more about how it works

Why choose us

Any make and model

Warranty Included

Best Prices & Deals

15000 miles standard

Tailored Leases

Road Tax Included

Decision Not Based on Credit Score

All Bad Credit Considered

Sample Car Leases - for Illustration Purposes Only

You can lease any car or van that fits your budget and requirements – we will buy the vehicle you choose and lease it back to you.

Citroen

C1

£179 per month + VAT

£537 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Volkswagen

Up

£181 per month + VAT

£543 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Hyundai

i10

£181 per month + VAT

£543 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Vauxhall

Astra

£299 per month + VAT

£897 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Land Rover

Range Rover Evoque

£699 per month + VAT

£2097 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Audi

A5

£629 per month + VAT

£1887 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

BMW

3 Series M-Sport 320d

£499 per month + VAT

£1497 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Mercedes-Benz

C-Class

£499 per month + VAT

£1497 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Mitsubishi

L200

£539 per month + VAT

£1617 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Peugeot

Bipper

£249 per month + VAT

£747 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Vauxhall

Combo

£299 per month + VAT

£897 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease

Volkswagen

Caddy Life

£319 per month + VAT

£957 Initial Payment + VAT | Contract term 36 months | 15,000 miles per annum

View this lease
Any Make or Model of Vehicle

What makes CVS Ltd different to other non status car leasing companies?

We do not hold a stock of vehicles – Why would we? We do not know what car or van you would like. Instead we buy the vehicle you want and lease it back to you.

We fund your car – Unlike other subprime car leasing companies we carry out all our own underwriting. This means no third parties to deal with; faster application process, and tailored leasing agreements to suit your needs.

Sub Prime – We only work with customers who have an adverse or bad credit rating.

No Third Parties - CVS Lease and Finance Your Car

Offering a Personal Service

At Compass Vehicle Services Limited (CVS Ltd) we really do put the customer first and are here every step of the way advising you on cars, sharing our knowledge of leasing and making sure you are getting the best bad credit car leasing deal possible. We are easily contactable throughout your leasing term, should you need us for whatever reason.

In a recent survey of our existing customers, 100% of those who responded said they would recommend us to a friend, and they do! Over 90% of our customers renew with us, the other percentage have been able to move into the mainstream.

Frequently Asked Questions

If you don’t find the answer to your question please get in touch and we’ll be happy to help.

Application and Acceptance

Can I lease a car with no credit history?

If you can demonstrate that you can afford the lease payments then yes you can lease a vehicle with no credit history. You will need to supply us with bank statements and proof of employment to demonstrate this.

Do you carry out a credit check?

A credit check is required to comply with the Financial Conduct Authority and anti-fraud regulations.

The credit check is used simply to confirm your address, and we are not looking at your credit score.

We only perform a credit check once we have pre-approved your application.

What happens once my lease application has been approved?

Once we have approved your application, we will post you a leasing contract and ask you to sign and return it.

The next step is to pay the agreed initial payment and the one-off administration fee.

Once we have received your signed contract, and your initial payment funds are cleared we will source your car or van.

How do I qualify for car finance to lease a vehicle?

If you can satisfy 2 key requirements then you qualify to lease a car:

Are you traceable? It is not simply a question of whether you are on the electoral roll. It helps, but we will not discount an individual if they are not on the electoral roll. We consider a number of other issues such as how long you have been living in your home (you do not need to own it) and how long you have been in your current employment/self-employment.

Can you afford the payments? We review your last three months bank statements to assess whether you are able to afford the monthly payments. We do not use any credit scoring methods.

Can I lease a car if I have a County Court Judgement (CCJ)?

We welcome applications from customers who have County Court Judgements (CCJs). We look at your current financial situation and whether you can afford the payments to make a decision, and not your credit score.

Can I lease a vehicle if I am discharged from bankruptcy?

We welcome customers who have been discharged from bankruptcy. We look at your current financial situation and whether you can afford the payments, rather than use your credit score to make a decision.

Can I lease a vehicle if I am bankrupt?

We welcome applications from customers who are bankrupt or who have been discharged from bankruptcy. We look at your current financial situation and whether you can afford the payments, not your credit score.

Can I lease a car if I have an IVA?

We welcome customers with individual voluntary arrangements (IVAs). We look at your current financial situation and whether you can afford the payments rather than using your credit score.

Can I lease a car if I have bad credit?

You can only lease a car with CVS if you have bad credit. We accept all kinds of bad credit including IVA, CCJ, debt management plans and bankruptcy. As long as you can demonstrate you can afford the monthly payments we can help. We do not use your credit rating to make a decision.

What documents do I need to lease a car?

Once you have completed your application for personal or business contract hire, we will ask you to supply some supporting documentation which is usually:

Proof of Identification – Copy of your valid driver’s licence

Proof of Income – Pay slips and bank statements for the last 3 months. If self-employed instead of pay slips please provide your
HMRC SA302 form confirming your latest tax calculation

Proof of Address – You can verify your address by providing a UK utility bill (gas, electricity, water, telephone landline) issued within 3 months. The name and address on the bill must match those in the lease application.

I've been turned down for mainstream car finance, can you help?

Having bad credit can make it difficult to get car finance through a mainstream car leaser. However CVS do things differently and as long as you can demonstrate you can afford the lease we can help.

I already have a lease vehicle in my name, can I lease another?

Yes, there are many households who do have multiple leased cars in one persons name.

Can I lease a car for someone else?

Yes you can – you will need to make a joint application in your name and the name of the person you want the lease for.

Can I lease a vehicle if my partner is the wage earner but I'll be driving the car?

Yes, you would need to apply as a joint application.

Will I need to put down a deposit?

Once you have been accepted you will be required to pay your initial (first) payment, this would have been agreed during the acceptance process. There are no deposits paid at CVS Ltd we only require your initial payment.

Can someone act as guarantor for me?

Yes, if you are unable to show affordability you can have a family member or partner go on your leasing agreement contract with you in order to support your application. You can also lease a car for someone else.

Can you guarantee acceptance?

We are unable to guarantee every application but in truth no company can, however we have approximately an 85% acceptance rate upon all the required documentation.

Lease Agreement

Is road tax included?

Road tax is included as standard, and will be taken care of by Compass Vehicle Services as the registered keeper of your vehicle, throughout the term of your lease agreement.

Is an MOT included in the lease agreement?

An MOT is only required on vehicles 3 years or older. It is the customer’s responsibility to MOT the vehicle if and when is required.

Is maintenance and servicing included in the lease agreement?

Maintenance, servicing and MOT are not included in the lease agreement and it is your responsibility to arrange these. An MOT is only required on vehicles 3 years or older.

Is insurance included in the lease agreement?

Vehicle insurance is not included as standard in the lease agreement and is therefore your responsibility to arrange a fully comprehensive motor insurance policy. For personal contract hire the main insurance policy holder must be you. For business hire the car insurance policy must be in your company name.

Before you collect or take delivery of your car or van we will require a copy of the insurance document for the vehicle.

What vehicle can I lease?

You choose the car or van you want based on your budget, and requirements. We don’t hold a stock of vehicles, and instead we will purchase the vehicle you want and lease it back to you. So you are not restricted in your vehicle choice.

Are there any extra costs I should know about?

As standard with all leasing companies, we charge a one-off payment at the beginning of your lease to cover all administration for the duration of your lease agreement. This charge is £100 + VAT. If you decide to renew your lease at the end of the agreement we do not charge you again.

How long will the vehicle lease be for?

The majority of lease agreements are for 3 years (36 months). However, we tailor all lease agreements to suit your individual circumstances so if you need a shorter or longer lease we can arrange that.

Will the lease vehicle be in my name?

CVS Ltd are the registered keepers of the vehicle, and remain so throughout your lease agreement.

Is a warranty included?

Most of our lease cars and vans are nearly new, and so you should get at least 2 years from the original manufacturer’s warranty (depending on the age of the car when you lease it and the length of the warranty.) It’s worth pointing out that unlike most manufacturers Hyundai give 5 years manufacturers warranty, which means your whole lease agreement would be covered.

Read all frequently asked questions

The reviews don't lie, our customers love us!

We are a family firm and we treat our customers like family.

Customer satisfaction is important to us and we therefore always go the extra mile to help wherever we can

See our reviews on Trustpilot