Personal Car Leasing

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Bad Credit Personal Car Leasing

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

Compass Vehicle Services is a small, family run contract hire and leasing business.  We offer bad credit personal car leasing on new and nearly new vehicles to people who lack good credit.  Our car finance deals are unique to each of our customer’s specific requirements enabling them to lease with bad credit history.  You can choose any car or van you want!  We will buy the vehicle and lease it back to you.

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

Bad Credit Car Finance

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

When you have poor credit car leasing is very difficult in the mainstream market. Getting a bad credit car finance agreement can be challenging with less than perfect credit.

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

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 as an individual case; 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.

“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

We 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.

young couple with bad credit leasing a car with CVS Ltd

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.

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. 

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.

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.

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.

personal car leasing >> or business car leasing >>


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.

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.

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

You will be required to pay an initial payment after you have been accepted. This is usually the equivalent of 3 monthly payments.  Deposits are never required.

Can someone 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.

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.

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. 

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.

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.

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.

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.

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.

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

Yes, this is more common than you might think.

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

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

My unpaid maternity leave 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.

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.

Am I able to claim VAT back?

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

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.

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.

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.

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.

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.

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.

Will I have to pay road tax?

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

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.

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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