Personal Car Leasing

Bad Credit Car Leasing in the UK

Personal Car Leasing Made Simple

At Compass Vehicle Services, we understand that financial challenges shouldn’t prevent you from driving the car you desire. That’s why we specialise in bad credit car leasing. Whether you have a less-than-perfect credit score, no credit history, or a bad credit record, we’re here to help you get behind the wheel, with our personal contract hire deals.

Why Choose Compass Vehicle Services?

  • Family-Run Business: We’re not just another faceless corporation. As a family-run car leasing company, we prioritise personalised service and genuine care for our customers.
  • Wide Range of Vehicles: From compact city cars to versatile vans, our bad credit leasing car options cover nearly new and brand-new vehicles. Whatever your preference, we’ve got you covered.
  • Unique Deals: We recognise that each customer’s situation is different. Our bad credit car leasing deals are tailored to meet your specific requirements, ensuring affordability and flexibility.

Ready to explore your options? Contact us today to discuss your personal car leasing needs.

We Accept All Types of Bad Credit

IVAs

CCJs

Bankruptcy

And All Bad Credit

Bad Credit Car Leasing Benefits

Nationwide Car Leasing

We can deliver your bad credit lease car anywhere in the UK or you can collect your vehicle from our Head Office.

Any Make of Car or Van

We do not keep many vehicles in stock, instead we buy the vehicle you want and lease it back to you.

Tailored Leases

All leases are flexible to suit you. Vary the initial payment, mileage limit and length of lease.

Road Tax Included

As the registered keeper, CVS Ltd take responsibility for the road tax of your leased vehicle.

All Bad Credit Considered

We welcome applications from customers who have or have had CCJs, IVAs, debt management plans and bankruptcy.

Authorised & Regulated

CVS Ltd are with are authorised and regulated by the Financial Conduct Authority (FCA).

12000 Miles Per Annum

We offer high mileage as standard. If you need to adjust your annual mileage we can tailor your lease agreement accordingly.

Decision Not Based on Credit Score

We know our customers have poor credit so we don’t use credit scores to make a decision.

Apply Today

Got Bad Credit? No Problem We Can Help!

Affordability

We focus on your ability to comfortably manage monthly payments. Instead of fixating on credit scores.

Traceability

We verify your traceability through the home address and employment history you’ve provided.

Contact Us Today

Your Dream Car Awaits! Contact Our Team Today.

Apply Today

Bad Credit Personal Car Leasing Deals

Flexible Contract

Create a leasing agreement that suits your personal circumstances, with a transparent total amount to pay.

Negotiate Initial Payment

Talk to us if you need to adjust the amount of the initial payment.

Fixed Monthly Payments

Stay on top of your finances with fixed monthly payments.

Access To Better Cars

Your budget can get you a better car than if you were buying it.

People Often Ask

Can you lease a car with bad credit history?

The good news is you can only lease a car with us if you have bad credit history or no credit history. We accept all kinds of poor 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.

Can I lease a car with no credit history?

If you have never had a loan or taken out credit we understand you won’t have any credit history.

Demonstrate to us that you can afford the lease payments, and we can help you lease a vehicle with no credit.

You will need to supply us with bank statements and proof of employment.

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 a County Court Judgment (CCJ)?

We welcome applications from customers who have County Court Judgments (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 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 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.

Car Leasing For Bad Credit

Simple Application

Apply Today

Quick Decision

How Car Leasing Works

Nationwide Delivery

Nationwide Car Leasing

What Causes Bad Credit?

  • If you have missed payments or made late payments
  • If you are not on the Electoral Roll
  • If you have never had finance/borrowed before – No Credit History
  • If you have made lots of credit applications in the past
  • If you have been or are in an IVA
  • If you have been declared bankrupt
  • If you have CCJ’s (County Court Judgments) that you have not settled

Have Bad Credit or Been Refused Credit and Need A Car?

Securing personal car leasing with bad credit history can be challenging due to the financial risk. However, we offer solutions even for those with less than perfect credit.

Unlock Your Dream Car: At Compass Vehicle Services, we specialise in helping individuals with poor credit history. Worried about credit checks? Fear not! We don’t rely on credit scores to make our decisions. Whether you need a Vauxhall Corsa, Ford Transit, or any other vehicle, we’ve got you covered. Low deposits, flexible terms, and nationwide delivery options await. Apply today!

 

Your End of Lease Options

  1. Hand Back the Vehicle: If you’ve stayed within your contracted mileage and maintained the car according to fair wear and tear standards, you won’t face any additional charges. Simply return the vehicle.
  2. Renew Your Lease: Join the 90% of our satisfied customers who choose to renew their lease. Upgrade to a newer model and continue enjoying the benefits of leasing.
  3. Flexible Extension: Need more time? Extend your lease on a month-by-month basis while you explore your next move.

Want to explore these options further? Read more about your end of  lease choices

DON’T LET BAD CREDIT STOP YOU FROM GETTING A PERSONAL LEASE VEHICLE

Frequently Asked Questions

Please get in touch if you cannot find the answer to your question below:

Application and Acceptance

How do I send supporting documents?

Once you have made an online application we will be in touch to request that you send some supporting documentation, such as bank statements.  The documents help us understand whether you can afford the monthly payments, and confirm your address.  Please email all requested documents to ben@cvsltd.co.uk.

Can I lease a car with poor credit?

Yes you can get a car lease with poor credit.  Simply complete our online application for personal or business leasing.

We will ask you to submit some additional information to assess your ability to afford the monthly lease payments.

Your poor credit history is therefore not an obstacle to car leasing.

Can I lease a car with no credit history?

If you have never had a loan or taken out credit we understand you won’t have any credit history.

Demonstrate to us that you can afford the lease payments, and we can help you lease a vehicle with no credit.

You will need to supply us with bank statements and proof of employment.

Do you need a credit check for car leasing?

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

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

We check your credit file to confirm your address, and we are not looking at your credit score.

 

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 Judgment (CCJ)?

We welcome applications from customers who have County Court Judgments (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 you lease a car with bad credit history?

The good news is you can only lease a car with us if you have bad credit history or no credit history. We accept all kinds of poor 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.

Five Star Customer Service

See Our Excellent Customer Reviews

“Have been very happy with service, great communication everyone is really professional and friendly. Application process was simple and received a quick decision, CVS were able to source a vehicle to my exact specification, very pleased and would recommend to others.”
Elouise

“The most amazing team of people and cars are brilliant.  This will be my second car with them.  Going through tough personal issues they were amazing more like family than a car lease company that’s pretty amazing and would recommend to anyone who is going to treat the company with respect they give us as customers please check them out.”
Paige

“The CVS team has now supplied me with three vehicles and with each transaction I have experienced their consistently smooth, professional, friendly and high-quality service. It is a refreshing pleasure to find a vehicle leasing company, or any service company, still adhering to such timeless standards. I can strongly recommend CVS.”
Devon

“Great service all round.  Very very stress free and smooth from initial interest right through to delivery of the vehicle. Always responded quickly to any query I had and explained everything really well.”
Kayleigh

You may also be interested in

More posts like this