Personal Car Leasing

Bad Credit Personal Car Leasing UK

Lease with Bad Credit: No Credit History or Poor Credit History

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

Compass Vehicle Services is a small, family run car leasing business providing personal contract hire (PCH) car finance with bad credit.  

We offer bad credit personal car leasing on nearly new vehicles; from city cars to vans and everything in between. If you are looking for a car loan for a brand new car and lack good credit in the UK we’d like to help you (subject to status).  Our bad credit car finance deals are unique to meet each of our customer’s specific requirements; enabling you to lease with bad credit history or no credit history.

Simple Application

Quick Decision

Nationwide Delivery

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

Bad Credit Car Finance

Have bad credit history, or been refused credit and need a car?

Personal car leasing is very difficult in the mainstream market as you pose a significant financial risk. Getting a bad credit car finance agreement can be challenging with less than perfect credit.

However, at Compass Vehicle Services we have specialised in personal contract hire to customers with a bad credit rating. We understand that a poor credit rating is not a true reflection of someone’s financial circumstances, and their ability to afford the monthly payments. We provide no credit check car leasing.

Our tailored leasing contracts enable you to create a flexible car lease that suits you.  You can drive away in your perfect car with the best deal for you. Change the mileage limit, length of the lease and the initial payment.

With poor credit car leasing you can choose any car or van you want! We will buy the vehicle you want and lease it back to you. We offer nationwide car leasing so wherever you are in the UK you can drive one of our lease vehicles.

We are able to help people with poor credit because we do not rely on credit checks to determine our lending decision. Instead of using your credit file we assess your ability to afford the monthly repayments on a bad credit lease.

Personal Car Leasing Benefits

Nationwide Leasing

We can deliver your car anywhere in the UK or you can collect from our Head Office in Kent.

Any Make of Car or Van

We do not keep 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.

Authorised & Regulated

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

All Bad Credit Considered

We welcome applications from customers with CCJs, IVAs, and bankruptcy.

Road Tax Included

As the registered keeper, CVS Ltd take responsibility for the road tax.

Personal Car Leasing Special Offers

We regularly have car leasing deals and special offers available. Please get in touch to find out more.

Benefits of Leasing with Bad Credit

Fixed Monthly Payments

Stay on top of your finances with fixed monthly payments.

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.

How does Compass Vehicle Services differ from other leasing companies?

We specialise in contract hire and leasing to people with bad credit history, and have done so since 1999. In fact we only lease to people with no credit history or a bad credit record. Find out more about why we started CVS Ltd.

Affordability and traceability are the criteria we use to make a decision on your application to lease a car. We look at your personal car lease application on an individual basis; only looking at your current circumstances. That means you do not need to worry about your poor credit history as long as you can prove you can afford the monthly repayments, we can organise lease agreements.

We accept applications along with supporting documentation including recent bank statements for affordability purposes only.

“Brilliant service from the start and throughout. This company really values its customers and takes their circumstances into account rather than a computer says no situation. Would fully recommend them.” Andrew Howe

Couple Collecting Keys to Bad Credit lease carWe offer excellent bad credit car leasing deals. Take a look at our example cars and prices to see what car or van you can get for your budget. Unlike other leasing companies we buy the car or van that you want and then lease it back to you. You don’t have to worry about the resale value; simply make the monthly payments and return the car at the end of the lease.

We don’t use third-party underwriters so we are able to make a quick decision on your personal lease application – usually within 2 working days.

Wide range of cars and vans available on a personal car lease. Once you have been approved and we have agreed what you can afford to repay each month CVS will find the right vehicle for you. If a new car is out of your budget we also lease nearly new cars that we keep in stock.

Assuming that there are no unforeseen circumstances we are able to have your car ready for delivery or collection within 10 days. You can choose to collect the car from our office, or we can arrange delivery. For deliveries within 25 miles we will deliver for free.

If you are not checking my credit history, what do you look at?


1. Are you traceable?

We need you to show us evidence of your current and if required previous addresses to demonstrate you are traceable.


2. Can you afford the monthly repayments?

As part of your finance application we require you to show us evidence that you can afford the payments within your budget.

What could lead to a bad credit score?

  • If you have been a bad borrower in the past, this includes late payments and exceeding your credit limits etc.
  • If you are not on the Electoral Role
  • 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 Judgements) that you have not settled

Let's Chat!

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

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.

Extend your lease on a month by month basis.

Find out more about your end of lease options

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

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.

Insurance FAQs

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. 


If your business is VAT-registered you can reclaim 50% of the VAT on the monthly lease payments, or 100% if the car is used purely for work. In addition you can claim back VAT on maintenance costs.

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.

Delivery FAQs

You have the option to come and collect the car, or we can arrange delivery. Delivery is free within 25 miles. If you choose to collect we can pick you up from Edenbridge or Lingfield train stations or Gatwick airport.

CVS put both customer and staff safety at the top of our priority during these difficult times, and have developed a safe vehicle handover procedure as follows:

  1. Prior to handover all of our vehicles are comprehensively valeted throughout.
  2. The delivery agent will wipe down all ‘touched’ surfaces upon exiting the car; this includes steering wheel, gear selector, handbrake, window switches, internal door handles and the key fob.
  3. We adhere to social distancing rules throughout the hand over but will make sure that the controls are explained in detail to you.
  4. Instead of asking you to countersign the delivery note, we will place it on the windscreen and take a photo of you giving a thumbs up with the delivery note clearly in the photo.  We both keep a copy for our records.

Maintenance FAQs

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

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