Bad Credit Car Finance and Leasing

A manual approach to vehicle leasing


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The team at CVS are trained to understand your specific needs for a vehicle, including the type and size of the vehicle and your budget.  We go through all requests for credit on a case by case basis, we don’t use computer-generated reports so we can offer specialist bad credit car lease deals.

You’ll find a selection of vehicles available for those with adverse credit scores, just below. We are also able to source most types of vehicles, buy on your behalf and lease back to you over the term of your lease agreement.  Use the form below and get in touch to ask questions or make an enquiry with Compass Vehicle Services.

Limited Special Offer – Zero Deposit Poor Credit Lease Vehicles

Hyundai i10
No Deposit 1 x 35 Payment Profile
January Sale Offer only £229+VAT
Fill out the enquiry form for more information

Hyundai i20
No Deposit 1 x 35 Payment Profile
January Sale Offer only £299+VAT
Fill out the enquiry form for more information

Hyundai i30
No Deposit 1 x 35 Payment Profile
January Sale Offer only £349+VAT
Fill out the enquiry form for more information

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Compass Vehicle Services Limited (CVS Ltd) poor credit car lease lenders.  

We specialise in leasing vehicles to customers who find themselves with an adverse credit score or no credit history and need bad credit car leasing.

We have been in business for over a decade and are very well respected within the contract hire and motoring industry. It is because of our excellent reputation and relationships with car dealerships, we are able to offer superb deals on our wide range of bad credit car leasing vehicles including cars and vans.

We offer two types of finance, Personal and Business for poor credit car leasing applicants. If you are looking for a car or an entire fleet of vans you have come to the right place.

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

We do not hold stock of vehicles – why would we, we do not know what car you would like?  Instead, we will buy the vehicle you want, and then we will lease it to you.

We will be funding your car- Another unique factor and unlike other subprime car leasing companies, we carry out all our own underwriting.  What this means to you; No third parties, faster application process, leasing agreements that are tailored to your individual circumstances.

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

Offering a personal service.

middle aged couple leasing a car with an adverse and poor credit score. Lease purchase from Compass Vehicle Services (CVS) LtdAt 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 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.

Leasing nationwide.

Compass Vehicle Services Limited (CVS Ltd) are located in the county of Kent bordering on Surrey.  We serve the whole of the UK from John O’Groats to Lands End.  No matter where you are located within the UK, we will be able to find the best car leasing deal for you.

How to lease a car with a low credit rating – Explained.

family with a bad credit file needing car finance

We understand there is all manner of reasons why you may find yourself with a bad or poor credit score, but we will not let this stand in the way of you getting your next car. Take a look at our car leasing for more information.

Bad credit scores – How do they happen?

If you have a bad or poor credit score you are not alone, but what can lead you to have a damaged credit rating? Read more here.

The application process

a young couple who have been accept for a car lease with Compass Vehicle Services. The couple are smiling into the cameraAt 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. Here you will 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 help you get the answers you need fast, we’ve compiled a list of our customers’ most frequently asked questions. If you can’t find the answer to your question, please contact us for assistance.

Q1. Can you explain personal car leasing to me?

Whether you are looking for your first car or simply need to upgrade your current vehicle, we can help you find it. Our ability to source vehicles throughout the UK allows us to provide you with new and almost new vehicles that meet your specifications. As a bonus, we are often able to work out great deals, thanks to our large vehicle acquisition. We can help you find the vehicle of your dreams, even if you have bad or no credit.

Q2. Can you explain business leasing to me?

Whether you need a single vehicle for your new business or you require a fleet of vehicles for your PLC, we can help you find the right vehicle(s) for your business. Our advisors will be happy to provide you with detailed information on business leasing and assist you in working out a leasing plan that works for you.

Q3. For acceptance do I need to provide an initial deposit or rental?

You will only be required to pay your initial payment after you have been accepted, as was agreed upon and during the acceptance process. Deposits are never required.

Q4. Can I have some act as Guarantor for me?

If you are not able to show affordability, you may ask a partner or family member to go on your leasing contract in support of your application. You also have the option of going on someone else’s application.

Q5. Is there a premium for non-status lease agreements or do you view them as you would someone without credit problems?

We make every effort to fit your budget, regardless of what that may be. For example, if you have £500, we will point you toward vehicles that fall in that price range. Be aware that due to the potential risk involved on our part, our prices do tend to be slightly more than mainstream companies.

Q6. I recently returned to the UK after spending several years abroad. Would I qualify to lease a vehicle if there is no trace?

Yes, depending on the information you have available. Please visit our application process for details..

Q7. Is acceptance guaranteed?

No, although we do have an acceptance rate around 85% when all required documentation is available, we cannot guarantee your poor credit car lease application will be accepted. This is true of any bad credit car leasing company.

Q8. My spouse will be driving the vehicle, but I am our wage owner. Am I eligible to lease a vehicle?

Simple fill out a joint application.

Q9. I am a resident of the UK, but I am not on the electoral roll. Everyone turns me down. Will you also turn me down?

Provided you can provide the requested supporting documentation, we may be able to approve your application. It’s worth noting that registration on the electoral roll is legally required.

Q10. I move addresses frequently because I’m in the Armed Forces. I’m not sure I’m on the electoral register. Can you help me?

We understand that in certain situations people are not on the electoral register. We can work with you. Please see our bad credit car leasing application process for additional information.

Q11. How long will I have to wait to get my new vehicle?

After your documentation has been received, a decision should be made within 2 working days. From there, it depends on how quickly you make your initial payment. In most cases, due to our sourcing and purchasing your vehicle, you will it within 10 working days from the date of your initial payment. We will try our best to speed the process up when we can.

Q12. I have a vehicle already leased in my name? Is it possible to lease another?

Yes, this is more common than you might think.

Q13. My bankruptcy will be discharged one year from now. I’ll been turned down by other companies. Can you help?

Yes, we can work with your regarding bankruptcy bad credit car leasing.

Q14. My unpaid maternity leaves recently ended and I need a car lease. All I have is a single pay stub and a CC. Will this work?

Yes, though you will likely need to submit additional evidence showing you can make the lease payments.

Q15. Thanks to an ugly divorce my credit score is bad, can you work with me?

Yes, we have helped many customers who have been left with a bad credit score after divorcing.

Q16. Am I able to claim VAT back?

You can claim back the VAT if you are leasing through a business.

Q17. Will you work with me if I am currently in an IVA?

Yes, we welcome anyone with IVA car leasing, as well as bankruptcies and CCJs.

Q18. Will I be responsible for car insurance?

Yes, it is up to you to take care of your own insurance. We will take care of the car tax.

Q19. How long is the lease term?

This depends on you, though most lease agreements are for 3 years. We can work with a shorter lease period if you prefer. Contact us for further information.

Q20. Is the car in my name?

No, we are buying the car and leasing it to you. As a result, you do not own it.

Q21. What kind of warranty can I expect?

This depends on the manufacturer and the vehicle’s age when it is leased. Typically, we lease newer cars that have at least 2 years remaining on the manufacturer’s warranty. Keep in mind that some manufacturers offer extended warranties. In some instances, your entire lease agreement may be covered.

Q22. What kind of car can I get?

This is based entirely on your budget. Remember, we are purchasing the vehicle for you, so you can specify exactly which vehicle you want.

Q23. Will I have to pay road tax?

No, as a leased car your road tax is included within your monthly payment.

Q24. What documents do I need to provide as supporting evidence with my application?

We ask that you supply 3 months worth of bank statements which clearly show incoming, outgoing, and running balance.  A copy of a utility bill and a drivers licence (if you are using the old paper licence version a copy of your passport is also required). Sometimes our underwriters will request extra supporting information to help them assess your application.

Can I send Screen shots of my bank statements from my mobile?
The underwriters need to see a daily incoming, outgoing and running balance.  Most screen shots from your bank app do not show this detail, therefore you will need to download the full detailed bank statements from your online banking.

Q25. Will my payment history with you show up on my credit report?

No, as a small independent funder, we will not show up on your credit report. We will, however, provide you with a financial reference anytime during your bad credit leasing agreement.

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