Personal Car Leasing

Bad Credit Car Leasing Options in the UK

Personal Car Leasing for People with Poor Credit or No Credit

Compass Vehicle Services is a family run car leasing business providing personal car leasing and personal van leasing (otherwise known as personal contract hire or PCH) for customers with bad credit.

We offer bad credit car leasing options on nearly new vehicles; from city cars to vans and everything in between. If you are looking for a personal lease car loan for a brand new car and lack good credit in the UK we’d like to help you find your perfect car (finance is subject to status) .

Our bad credit car leasing deals are unique to meet each of our customer’s specific requirements.

Find out if your are eligible for a bad credit car lease with CVS

We Accept All Types of Bad Credit

IVAs

CCJs

Bankruptcy

And All Bad Credit

Why Choose CVS for Your Personal Car Leasing

Simple Application

Apply Today

Quick Decision

How Car Leasing Works

Nationwide Delivery

Nationwide Car Leasing

People Often Ask

Can you lease a car with bad credit?

The good news is you can only lease a car with CVS if you have bad credit. 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.

Bad Credit Car Leasing Benefits

Nationwide Car Leasing

We can deliver your 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).

15000 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

How Does Compass Vehicle Services Differ From Other Leasing Companies?

bad credit is not a barrier to personal contract hire (PCH), car leasing.

We understand that life can be tough and credit scores can take a hit. That's why we specialise in helping people with bad, poor or no credit history get behind the wheel.

Our only criteria? Affordability and traceability – we want to make sure that you can comfortably keep up with your monthly payments.

We take a holistic approach, taking into account your current situation, and don’t just rely on your credit score. So, if you can demonstrate that you can afford the repayments, we can set you up with a lease agreement. Don’t let a bad credit score hold you back from getting the ride you need. Get in touch today!

Got Bad Credit? No Problem We Can Help!

Can You Afford A Bad Credit Lease?

We will ask for bank statements to show you can afford the repayments. We do not make a decision based on credit score.

Are You Traceable?

We will ask you to show us evidence of your current address (such as being on the electoral roll), and if required previous addresses.

Contact Us Today

You don’t need to worry that having bad credit means you cannot lease a car. Talk to us today about bad credit car leasing.

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.

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?

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

At CVS we specialise in personal contract hire to customers with a bad credit rating. We understand that a poor credit rating does not mean you cannot  afford the monthly payments. We don’t make decisions on credit checks.

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.

Read more about your end of lease options

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?

The good news is you can only lease a car with CVS if you have bad credit. 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

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