How Car Leasing Works

How Does Leasing a Car Work

We aim to make the process of leasing a car or van with us as simple as possible.

We accept applications from people with all types of bad credit, including CCJs, IVAs and bankruptcy, and in debt management plans.


Eligibility – Will I Get Accepted?

There are just two things we take into account when assessing a lease application:

  1. Can you afford the payments?
  2. Can we trace you through your address/employment history?

If the answer is yes to both of these questions then you will be accepted.

The rest of this page shows you how our car leasing process works from application to delivery.

We Accept




And All Bad Credit

How Car Leasing Works

Step 1 - How Car Leasing Works

Apply Online

Fill out our simple online car leasing application form.
Choose either the personal application, joint application or the business application.

(By applying for a car lease, you are under no obligation to enter into a contract with us.)

Apply Today
How Car Leasing Works - Step No 2

Send Us Supporting Documentation

We will ask for a few supporting documents to help our in-house underwriters assess your application.
This may include:
  • Last 3 months’ payslips or HMRC SA302 if self employed
  • Last 3 months’ bank statements
  • Copy of full UK driver’s license (both parts)
  • Copy of a recent utility bill
Supporting Documents
How Car Leasing Works - Step No 3

Get a Decision

We make a quick decision.
It usually takes just 2 working days from receiving your supporting documentation to give you a decision on your application for car leasing.

If we say Yes, you have an agreement in principle.

  1. Pay the agreed first (initial) payment.

You are under no obligation to enter into a contract with us.

If we say no there will be no negative impact on your credit score.

Apply Today
How Car Leasing Works - Step No 4

Tailor Your Car Lease Agreement

We let you tailor the lease agreement to suit your requirements:
Apply Today
How Car Leasing Works - Step No 5

Sign Your Leasing Contract

We will send your contract electronically.


  1. Sign and return the lease contract.
Apply Today
How Car Leasing Works - Step No 6

We Will Source Your Chosen Lease Vehicle

Choose any make and model of vehicle.
We buy the car or van you want then lease it to you – so you get exactly what you want.

Our vehicle search is designed to give you an idea of pricing.  If you don’t see the car you want, get in touch.

Apply Today
How Car Leasing Works - Step No 7

Take Delivery of Your Lease Vehicle

Decide how you want to take delivery of your new lease vehicle:

  • Collect it from our office
  • Arrange free local delivery
  • Arrange nationwide delivery for an additional fee.

[Please note we will need to see proof of your comprehensive vehicle insurance on delivery or collection of the vehicle before we hand over the keys.]

Delivery Options
How Car Leasing Works - Step No 8

At the End of Your Lease

Once your lease agreement ends you can:
  1. Return the lease vehicle in good condition, in accordance with the fair wear and tear guidelines.
  2. Extend your existing lease.
  3. Upgrade to a new lease car or van.
End of Lease Options

What's Included With A Car Lease

12000 miles per annum

Road Tax

Manufacturer’s Warranty

Five Star Customer Service

See Our Excellent Customer Reviews

“Brilliant! 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 H

“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!!”

“I have just completed my 9th year with CVS I.e. 3rd car. The service provided by Graham and Ben has been second to none. The team have accommodated all my specification requests each time I have changed cars. Highly recommended.”

“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.”

Car Lease Deals by Body Type

You may also be interested in

More posts like this