Personal Car Leasing

Bad Credit Car Leasing and Personal Car Leasing in the UK

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

We also offer business leasing (business contract hire or BCH)

We offer bad credit car leases 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.

Find out if your are eligible to lease with CVS

Why Choose CVS for Your Bad Credit Car Lease

Simple Application

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Quick Decision

How it works

Nationwide Delivery

Delivery Options

We Accept

IVAs

CCJs

Bankruptcy

And All Bad Credit

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.

Road Tax Included

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

All Bad Credit Considered

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

Authorised & Regulated

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

15000 Miles Per Annum

Unlike our competitors we offer high mileage as standard. If you need a higher annual mileage we can tailor your lease agreement accordingly.

Decision Not Based on Credit Score

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

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How does Compass Vehicle Services differ from other leasing companies?

Got Bad Credit? Decision not based on credit score.

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.

Affordability and traceability are the criteria we use to make a decision on your application to lease a car. We 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

Find out more about  CVS Ltd.

White Toyota Aygo Front View

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.

See our deals and special offers.

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.

Any Make or Model of Vehicle

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 leasing contract and 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.

Vehicle Search

Got Bad Credit? No Problem We Can Help!

Can you afford it?

We 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, 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.

Apply Today

Benefits of our Bad Credit Car Leasing Deals

Flexible Contract

Create a leasing agreement that suits your personal circumstances.

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 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

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 finance 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 LEASING A CAR

Frequently Asked Questions

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

Application and Acceptance

Can I lease a car with no credit history?

If you can demonstrate that you can afford the lease payments then yes you can lease a vehicle with no credit history. You will need to supply us with bank statements and proof of employment to demonstrate this.

Do you carry out a credit check?

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

The credit check is used simply to confirm your address, and we are not looking at your credit score.

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

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 Judgement (CCJ)?

We welcome applications from customers who have County Court Judgements (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 I lease a car if I have bad credit?

You can only lease a car with CVS if you have bad credit. We accept all kinds of bad 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.

First Class Customer Service

See our customer reviews