NHS Car Leasing
Have bad credit history, 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.
However, at Compass Vehicle Services we have specialised in personal contract hire to customers with a bad credit rating. We understand that a poor credit rating is not a true reflection of someone’s financial circumstances, and their ability to afford the monthly payments.
What is the NHS car lease deal?
For all our NHS customers we are dispensing with the need for the initial payment for our personal leases.
It is usual in any car lease deal to pay the equivalent of 3 to 9 repayments up front (initial payment). For example, if your repayments are £250 per month and your deal says you have to pay 3 repayments as the initial payment that would be £750.
We spoke to our NHS customers and they told us that finding this large initial payment was difficult, which is why we put together this deal for our NHS customers.
Simply pay 1 month’s repayment in advance.
You therefore pay the same fixed amount every month for the length of your lease.
We Accept: Bad Credit ✓ No Credit ✓ CCJ ✓ IVA ✓ CVA ✓ Bankrupt ✓ Debt Management Plans ✓
How do I qualify for NHS car leasing deals?
We ask you to demonstrate that you can afford the monthly lease repayments by providing us with your last 3 month’s bank statements; clearly showing your income and outgoings.
We will also ask you to provide us with a copy of your driver’s licence and an up to date utility bill both showing your current address
At CVS we carry out all our own underwriting, there are no third parties and we will not share your data in accordance with the data protection act. You will only deal with us for the duration of your leasing agreement.
How do I apply for the NHS car lease deal?
Please quote NHS Deal in your initial phone or email enquiry. Alternatively complete our enquiry form. All deals are subject to the underwriters agreement.
What happens once I have been accepted for nhs car leasing?
Once you have been accepted for any of our car leasing deals it is a simple matter of you paying your agreed first payment and us sourcing your desired car.
The time from acceptance to the delivery of your car is totally down to you: how fast you are able to decide on a car, make your payment and take delivery. If all goes smoothly it can be just a matter of days!
We will deliver for free if you are within 25 miles of our main office TN8 5RB otherwise we will have a logistics company deliver your car for which there will be an extra cost. Alternatively you can collect the car yourself. We love to meet our customers so if you want to collect your car we can pick you up from Gatwick airport, from Lingfield train station or Edenbridge train station.
Please note that every lease comes with a one-off administration charge of £120, all leasing companies have an administration charge we just like you to know from the very start.
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.
All leases are flexible to suit you. Vary the initial payment, mileage limit and length of lease.
Authorised & Regulated
CVS Ltd are with are authorised and regulated by the Financial Conduct Authority (FCA).
All Bad Credit Considered
We welcome applications from customers with CCJs, IVAs, and bankruptcy.
Road Tax Included
As the registered keeper, CVS Ltd take responsibility for the road tax.