Personal Leasing

Tel: 01342837110 / Text CAR4 to 66777 / Email: sales

Leasing a car with bad credit.

Subprime car leasing with a family run business.


Compass Vehicle Services is a small, family run business that supplies new and nearly new cars and vans to those will adverse credit history. We are able to help because we do not rely solely on credit scores to determine our lending decision. Read below to find out a bit more about how we can help get you behind the wheel of a new car.


Text CAR4 to 66777

The UK is beginning to understand the benefit of car leasing, furthermore, even with a poor or bad credit score or with no credit history, you can still get a great deal on a personal car lease.  Car leasing and finance are available to all and is a great way to get behind the wheel of a new, or nearly new car that you perhaps could not afford to buy outright.  If you have a business or you are a new business then take a look at our business leasing page.

How does CVS Ltd differ from other poor credit leasing companies?

At CVS Ltd we specialise in customers with a poor or bad credit score or have no credit history, we will look at your personal car lease application as an individual case.  We are only looking at your current circumstances. We look at affordability and traceability and offer excellent bad credit car leasing deals. Take a look at our example cars and prices to see what you can get for your budget.

young couple with bad credit leasing a car with CVS Ltd

Leasing a car will require an initial payment and the amount very much depends on what you can afford, and what payment profile you believe is affordable to you.

The CVS Team have many years of experience and knowledge to help you to choose the right no credit check payment profile.  CVS have their own underwriters therefore unlike many leasing companies there are no third parties, we are able to get a decision to you within 2 working days.  Furthermore we are able to create a leasing agreement to suit your individual requirements, so even if you find the car you want but not the payment plan you want – just get in touch and we will work with you to create a payment plan specifically for you. Our services also mean you can finance a car for someone else.

Once you have been approved, and a payment profile has been established, the CVS Team will begin to search for a car which meets your requirements.

Assuming that there are no unforeseen circumstances we are able to have your car ready within 10 days.

We accept customers with IVAs, CCJs and Bankruptcies, call us today!

  • I love my new car, thanks for all your help!Customer Quote
  • Great people to deal with. Kept informed all through the paper chase with a brilliant car on my drive in less that a fortnight from start to finish. Thanks Guys Darren PDarren P
  • Exceptionally friendly and informative. Really try to find the vehicle of choiceCustomer Quote
  • First time leasing a car, the process was smooth sailing from start to finish. Brilliant customer service, made me feel so comfortable and would continue leasing with CVS. Massive thank you to Ben and Graham, loving my 2016 Focus.Customer Quote
  • Polite staff; approachable and helpful. Smooth process from start to finish, would definitely recommended CVS for leasing services.Customer Quote

What are the benefits of personal car leasing, even with an adverse credit file?

People from all walks of life, and for all manner of reasons can find their leasing applications being refused by mainstream leasing companies due to an insufficient credit score.

family with child leasing a new vehicle with poor credit

One of the most common ways of getting behind the wheel of a new or nearly new car is with bad credit car leasing. Many people who decide to lease rather than purchase generally do because of the depreciation that is experienced with new cars.  With our car leasing agreements you do not own the car, so you do not have to worry about how much the car is worth at the end of your agreement, simply hand back the vehicle. Get all the information on leasing a car with Compass Vehicle Services.

What are my options when my Personal car lease ends?

Hand the vehicle back – providing you’re within your contracted mileage and the vehicle condition is within the fair wear and tear standards then you will face no further charges.

Renew your lease – over 90% of our customers renew their lease with us and generally upgrade their model.

Further benefits include:

Fixed Monthly Payments– Stay on top of your finances with fixed monthly payments.

a professional with a business lease car via CVS Ltd bad credit criteria


No Depreciation Worries– No need to worry about your car depreciating in price as you simply hand it back at the end of your agreement.

Initial Payments Can Be Negotiable – Discuss with the CVS team in the beginning what initial payment you can afford.

Road Tax Included – Renewing and financing road tax is included in your deal as you’re not the registered owner of the vehicle

Access To Better Cars – Your budget can get you a better car.

Flexible Contract– Poor credit car leasing agreements can be negotiated to suit you and your personal needs.

Check out our NHS car leasing deals that are well suited to health professionals with a bad credit history.


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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