No Credit Check Leasing

No Credit Check Car Lease

No Credit Scoring

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 deal or that their leasing options will be limited.

However, Compass Vehicle Services is different:

  • We only lease to people and businesses with bad credit.
  • We are not a credit broker. We lease and finance the vehicles ourselves.
  • We don’t use your credit score to make a decision about your application.

There is nothing to stop you getting your perfect car with bad credit car leasing (subject to status).


A Selection of Car Lease Deals

For Illustrative Purposes Only.

Explore some of our range of vehicles to get a sense of lease costs, but remember, your options are endless! We can lease you any car you desire.

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We Accept:




No Credit History

Simple Application

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Quick Decision

How it Works

Nationwide Delivery

Delivery Options

Questions About No Credit Car Leasing

It is natural for people with no credit to be concerned that they will not be able to get car finance if a credit check is carried out.   Our customers often start out by submitting internet searches such as:

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 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.


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 you lease a car with bad credit history?

The good news is you can only lease a car with us if you have bad credit history or no credit history. 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 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.

Citroen C1 silver and red - Background Removed

No Credit Personal Leasing

Compass Vehicle Services offer personal contract hire (also known as PCH or personal leasing) for customers with no credit.

  • Choose from a wide range of new cars or vans.
  • At the end of your lease you return the car or renew and upgrade to the latest model or choose a different vehicle entirely.
  • Our lease agreements are designed to meet your personal circumstances and financial situation.
Volkswagen Caddy Van front and side view

No Credit Business Leasing

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

As a business customer  we can lease you anywhere from one car or van to 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,  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.

No Credit Car Finance

Any Make or Model

12000 Annual Mileage

Road Tax Included

Tailored Leases

No Credit Car Lease

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

How Do I Make a Car Finance Application?

  • 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.
  • Our underwriters will perform a credit check to verify your address, once you have been approved, and when you confirm you want to go ahead with a car lease.
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Five Star Customer Service

See Our Excellent Customer Reviews

“Amazing service both during application and after.  The team are so helpful and ready to help with any enquiry. I previously had been with Audi, however, CVS are leaps ahead with customer service!!. I will be continuing to be a customer with CVS.”
Mr Clark

“The service was extremely couteous and personally handled, straight forward with no automation. You dealt with named people, and CVS did exactly what it claimed, without the tension of awaiting credit reports. I would be struggling without a car now without having contacted CVS. I highly recommend it.”

“I have been using this company now for 4 years and they are amazing. If you are struggling to get car lease or finance this is the best place. They dont look at your credit they look at your income and outgoings. Can’t express enough how great this company is.”

“I would recommend CVS to anyone.  From start to finish I felt like I was being fully supported through the process. I have had some issues over the years with illness in my family and as a result my credit rating is less than perfect…. Ben was so supportive and looked at my ability to pay now and in the future as opposed to my previous situation which I must say made me feel a bit more human again!!”

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