No Credit Check

No Credit Check Car Leasing and Car Finance in the UK

When people need to lease a car or van but find themselves with no credit or poor credit history they worry they will not get a car finance deal or that their finance options will be limited.

It’s true that getting car finance through mainstream dealers and car finance companies will prove much more difficult if you have no credit or bad credit.

However, Compass Vehicle Services is different.  We only lease to people and businesses with poor credit.  So do not let your bad credit stop you leasing.

 

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Quick Decision

How it Works

Nationwide Delivery

Delivery Options

We Accept:

IVAs

CCJs

Bankruptcy

And All Bad Credit

If you are like many who are looking for bad credit car finance with no credit check, you’ll start searching for no credit check car leasing companies and no credit check car finance. It’s likely that if you are in this situation you have also been asking questions like:

Do you need a credit check for car leasing?

A credit check enables CVS to comply with the UK anti-money laundering legislation and helps us verify your address. We do not use your credit rating to decide on affordability. We are authorised and regulated by the Financial Conduct Authority (FCA) and a credit check is a requirement of the FCA regulations.

Can I lease a car with poor credit?

With CVS Ltd you do not need to worry about your poor credit to get a car loan; it is in fact what makes you a potential customer of ours. We only lease to people with bad credit. See our car lease deals.

Can I lease a car with no credit?

If you have never had a loan or taken out credit we at CVS Ltd understand you won’t have any credit history. If you can show us you can afford the lease payments then having no credit is no barrier to leasing a car or van with us.

Do you need good credit to lease a car in the UK?

You do not need good credit to lease a car in the UK with CVS Ltd. It doesn’t matter to us if you are bankrupt, have an IVA, or CCJ. The main factor for us is that you can demonstrate you can afford the monthly repayments for car or van leasing. We do not use your credit report to check affordability, but instead ask you to supply bank statements to demonstrate affordability.

Citroen C1 silver and red - Background Removed

No Credit Personal Leasing

Personal contract hire (PCH) or personal leasing is possible through Compass Vehicle Services with bad credit and no credit check.  Choose from a wide range of cars or vans. You drive a new car and at the end of your lease can return the car or renew and upgrade to the latest model or choose a different vehicle entirely.  Leasing with bad credit gives you the benefit of fixed monthly payments that can help rebuild your credit record, and you have no worries about the car’s resale value.

VW Caddy Van Grey

No Credit Business Leasing

If you are new start business and have no credit, or a business with bad credit history, getting finance to lease a car or van can sometimes appear impossible. That’s where Compass Vehicle Services are different.

As a business customer  we can lease you with one car or van or a fleet of commercial vehicles. We specialise in leasing to business customers with poor credit.  So whether your business has no credit history or a bad credit history including, including, Late Payments, Defaults, County Court Judgements (CCJ’s), Debt Management Programs (DMP’s), Bankruptcy or Individual Voluntary Arrangements (IVA’s); Compass Vehicle Services can help.

Any Make or Model

15000 Annual Mileage

Road Tax Included

Tailored Leases

Got Bad Credit? Decision not based on credit score.

How Do I Apply?

  • Complete an application form online for Personal leasing or Business leasing.
  • We will then be in touch to ask you for some supporting documentation;
    • which is usually your last 3 month’s bank statements,
    • a copy of your driver’s licence and
    • a copy of a recent utility bill.
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What happens next

What Happens Next?

  • Our in-house underwriters will review your application and documentation.
  • Please note this process does not affect your credit score.
  • Once our underwriters have passed you in principle they will run a credit check to comply with the Financial Conduct Authority, to confirm your address only. We do not look at your credit history. It is very rare that after this final check you are not passed.
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