Home of Bad Credit Car Leasing

Bad Credit Car Leasing and Car Finance

01342 837 110  

Please rest assured CVS Ltd will be trading throughout the Coronavirus emergency.

Along with the landline and e-mail please be aware that you can contact Ben and Graham by mobile phone Ben: 07904 316470 |  Graham: 07830 211090.  As usual we will be available between 0900 – 1730 Monday to Friday. See our new delivery procedure which ensures social distancing.

Zero Deposit Car Leasing for NHS and other Covid 19 Key Workers – Priority Quick Turnaround

For people and businesses with a bad credit score or no credit history

Simple Application

Quick Decision

Nationwide Delivery

We Accept:   Bad Credit ✓   No Credit ✓  CCJ ✓   IVA ✓   CVA ✓   Bankrupt ✓    Debt Management Plans ✓

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

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..

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.

1 Choose the car you want and we will purchase the ‘nearly brand new vehicle’

2 Pay your fixed monthly payments

3 Return the car at the end of your lease. (As long as you return the vehicle in good order and meet the fair wear and tear guidelines there will be nothing more to pay.)


 Any make and model

 15000 annual mileage

 Road tax included

 Manufacturer’s warranty

 Tailored leases

Flexible initial payment

  Best prices + deals

  Family run 

Not based on credit rating

 Simple application

  Quick decision

 Nationwide delivery

Sample Lease Deals 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.

Range Rover Evoque



36 Month Lease

£2097 Initial Payment

£699 Monthly Payment

BMW 1 Series



36 Month Lease

£1137 Initial Payment

£379 Monthly Payment

Mercedes C Class



36 Month Lease

£1497 Initial Payment

£499 Monthly Payment

Audi A5



36 Month Lease

£1497 Initial Payment

£629 Monthly Payment

Citroen C1



36 Month Lease

£537 Initial Payment

£179 Monthly Payment

Fiat 500



36 Month Lease

£630 Initial Payment

£210 Monthly Payment

 Hyundai i20



36 Month Lease

£621 Initial Payment

£207 Monthly Payment

Skoda Citigo



36 Month Lease

£540 Initial Payment

£180 Monthly Payment

Vauxhall Combo



36 Month Lease

£807 Initial Payment

£269 Monthly Payment

Vauxhall Vivaro



36 Month Lease

£1257 Initial Payment

£419 Monthly Payment

Mitsubushi L200 Pickup



36 Month Lease

£1617 Initial Payment

£539 Monthly Payment

Ford Transit Connect Van



36 Month Lease

£1107 Initial Payment

£369 Monthly Payment

Let's Chat!

Need some advice before you apply? Call, Email, or use Live Chat. 

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.

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.

The application process

At Compass Vehicle Services Limited we have listened to our customers, and have made the process of applying for a vehicle as easy as possible. Take a look at our leasing application process.

What’s the process once I have been approved?

Once you have been accepted for a poor credit car lease, you will want to get in your new car as soon as possible. Find out what happens once you have been approved.


Take a look at our example cars and prices, this will give you a good idea of what you can expect to get with your budget. Don’t forget that at CVS Ltd we will buy the car you want and bad credit car lease it back to you, so if you cannot find the car you want don’t worry. If you can afford the repayments you can have any car you want.

To get behind the wheel of a car or van contact us or call 01342 837110 to discuss your bad credit car finance requirements.

Apply Today

We can help you drive a new car or van.

Car Leasing FAQs

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.

Most of our lease cars 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.

We welcome all bad credit customers, so do not let a Company Voluntary Agreement (CVA) stop you from applying for a lease. We look at your current financial situation and whether you can afford the payments. We do not use credit scores.

We only accept customers with bad credit. So you can apply for a lease if you have an IVA, CCJ, are in a debt management plan or have a poor credit rating. As long as you can demonstrate you can afford the monthly payments we can help.

We welcome customers with county court judgements (CCJs). We look at your current financial situation and whether you can afford the payments.

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

CVS are the registered keepers of the vehicle as you will be leasing the car and as such never own it.

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.

If you can demonstrate that you can afford the lease payments then yes you can lease a vehicle without a credit history.

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.

We only provide new and nearly new vehicles and specialise in designing a vehicle solution specifically for you. We can source any vehicle across the whole of the UK car market place. Because of our volume acquisition we also negotiate fantastic special offers to be delivered direct to your door. Whether you want to acquire your first car, or drive something suitable for the family we can help. You may wish to consider total economical packages, executive comfort and style motoring, sports engineering and performance, convertibles or just plain outrageous head-turning luxury. Whatever your preference we can advise you on availability, savings etc. Bad credit personal car leasing is easy with CVS Ltd.

Business leasing, or business contract hire (BCH) allows you to rent a car or van, or a full fleet, for an agreed time – usually 3 years. Once you have paid the initial payment you will make fixed monthly payments for the lease term. At the end of the lease simply return the vehicle(s). Whether you are a sole trader, PLC or a new business we can help.  We can even help you to design your in-house employer benefit scheme. Our advisers can help you to design the best solution for you and your business.

You choose the car or van you want based on your budget, we will then purchase the vehicle and lease it back to you. So your only limit to vehicle choice is your budget.

Being a small specialist independent funder your payment with us will not be reflected in your credit score, however we are happy to furnish you with a financial reference at anytime during your leasing agreement with us.

In most cases we can work towards budgets, so if you have £250 to spend we can show the types of vehicles that fall into that budget.  However you will find our prices will be slightly higher than the mainstream companies as there is an element of risk involved.

See all FAQs

Our Customers Love Us

Rated 8.7 Trustpilot

CVS Trustpilot Rating 4.5 starts

Back to top