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 in the UK.  Our bad credit car finance deals are unique to each of our customer’s specific requirements enabling them to lease with bad credit history.  With poor credit car leasing 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. We offer nationwide car leasing so wherever you are in the UK you can drive one of our lease vehicles.

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.

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.

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We can help you drive a new car or van.

personal car leasing >> or business car leasing >>


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 customers with county court judgements (CCJs). We look at your current financial situation and whether you can afford the payments.

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.

Whether you are a sole trader, PLC or a new business we can help.  We can also provide bulk purchases of vehicles for fleet purposes and help you to design your in-house employer benefit scheme. Whatever your requirement 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.


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. 


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.


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.


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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