Car Leasing FAQs



Many of our customers are new to car leasing, and understandably- they have queries, here you'll find some of the most frequently asked questions we receive.  Of course if your query is not answered here, contact our friendly team who'll be happy to help.

What does 9+35 mean?

9+35 is the rental profile. In summary, it would mean a 36 month agreement, with the initial rental equivalent to 9 times the following 35 rentals. For example, if the rental was £100 per month, the initial rental would be £900. For more detail and explanation check this blog post.

Are there any fees for your service?

For personal leasing agreements, we charge an arrangement fee of £250 inc VAT for our services, payable at the point of order. For business agreements, we charge £275+VAT payable at the point of order. For more details read our Initial Disclosure Document.

Can I lease a car if I have a bad credit history?

Unfortunately not. You will be credit checked and all our leasing agreements require a good credit history. If you're unsure then please contact us to discuss further. We wouldn't be able to supply you a vehicle if you're presently in an IVA or recently bankrupt.

Can I lease a car if I'm under 18?

No, as a lease is a financial agreement you'll need to be 18 or over to lease a car, you'll also need a full driving licence. If you've only recently turned 18, you might not have much or any credit history- so it may be that the choice of vehicles is limited to lower value cars. There is no upper age limit for most finance companies for a car lease.

Can I lease a car that I intend to hire out or use for private hire?

No, we're not able to supply cars for hire or reward, such as being hired out, used as a courtesy car, or for private hire/taxi purposes.

Can I lease a car for use as a driving instructor and with dual controls?

We do have access to driving instructor offers, due to their specialist nature we do not advertise prices, please contact us for more information.

Does car leasing include road tax?

In most cases, yes! The majority of agreements we offer on business contract hire and personal contract hire include road tax (or VED as it's officially known) for the duration of the lease- you don't need to do anything, the finance company will tax it for you. Some agreements, such as operating lease, or contract purchase agreements may not.

Can I put a personalised/cherished plate on my car?

Yes! You are able to nominate the leasing company on your retention document, which will allow you place the cherished plate on your vehicle for the duration of your lease. Some finance companies charge an administration fee for this- please contact us for more information.

Are there any fees I should expect during the contract?

Generally no, however there may be charges for example if you are making a change to your agreement, you are fined (for example parking fines or speeding offences) or require something that's not included as part of the lease, such as foreign travel documentation- this list is not exhaustive, contact us for full information.

What is a DPF filter?

A DPF (Diesel Particulate Filter) is a device fitted to the exhaust system of many new diesel cars. It's there to reduce the amount of harmful particulate that's emitted from the tailpipe. They perform this function well, but if the vehicle is used predominately at low speeds, for example city driving- they can pose problems and become blocked. In our experience, some manufacturers vehicles are more prone to suffer from blocked DPFs than others. It's important to consider this when you choose your next car, petrol cars are more efficient than ever and offer a reliable alternative. You can read more about DPF filters here, but speak to us for guidance before making your decision!

Can I lease a used car from you?

Not presently- we don't offer used cars, all of our vehicles are brand new and UK sourced. However, this is something we're exploring- watch this space!

Do you offer part exchange?

No- we focus our expertise on offering the best new car leasing pricing and service we can. There are many easy ways to sell your used car such as car buying services, online marketplaces and classified advertising.

When do I have to pay my initial rental and can I pay it on a credit card?

All of our main funding companies will collect the initial rental by Direct Debit, usually within a week from delivery taking place. You don't have to pay it upfront. You're not able to pay it by credit card, it must be collected by Direct Debit from your bank account.

Can I pay the lease rentals from someone else's account?

No- the Direct Debit must be collected from an account from the individual or business named on the lease agreement. Joint accounts are acceptable however.

Can I take my car abroad?

Yes! Before you go, you'll need to request a VE103/Green Card from the finance company- these are usually valid for 12 months. There may be a small administration charge for this document.

What happens if I exceed my agreed contract mileage?

First of all, don't worry! If this happens, after the vehicle is collected you'll be charged by the mile (pence per mile). We will make you aware of the excess mileage price before delivery, it will be noted on your leasing agreement. Some agreements can be amended before they expire if your circumstances change in the course of the contract, so you can adjust your rentals to cover an increased mileage- contact us for details.

Can I make changes to my contract after it has begun?

Many contracts can be amended, such as making changes to mileage limits. It's important to note that not all contracts can be amended- it does vary by funder and by product so please contact us for details.

Can I change my car early?

You can end your agreement early, in most cases, this isn't possible without charge- you would usually need to early terminate your existing agreement before taking out a new contract. We can request an early termination quote for you during your contract.

What does maintenance include if I choose a maintenance inclusive contract?

Maintenance includes the routine servicing, MOT (once the vehicle becomes over 3 years old from registration), batteries, exhausts, consumables and one of the largest, often unbudgeted costs; tyres. You can read more about maintenance here.

Will my car come with a warranty?

Your leased car or van will come with the full manufacturers warranty, just like it would if you bought it from a main dealer.

Where should I get my lease car serviced?

If you have chosen a maintenance inclusive contract- just call the applicable driver line (we'll let you know the details when your contract begins) who'll arrange the service for you.  If you elect to cover the service costs yourself, you can take it to any main dealer, or; under block exemption rules you can take it to any garage who uses manufacturer approved parts and services to the manufacturers schedule to preserve the warranty- make sure you check they can do this first however!

What happens at the end of my contract hire contract?

We'll contact you well in advance of the expiry date to discuss your options. Many customers choose to replace their car for another new one, you could also opt to extend the lease, or simply arrange for the car to be collected.

What is covered under fair wear and tear when I hand my car back?

The funders we use don't expect a car to come back in showroom condition, a degree of wear and tear is to be expected! Typically, small scuffs to wheels, small dents and some stone chipping won't attract any charges. Large damage outside of expected wear and tear should ideally be repaired before the vehicle is returned to avoid unwelcome bills- however, you can choose not to- in which case you'll be invoiced accordingly. For further details and examples of acceptable wear and tear, ask for information when you make your enquiry.

  • Santander Consumer Finance Contract Hire (048586)
  • Lex Autolease
  • Leaseplan (uk) Limited
  • Mitsubishi HC Capital UK PLC
  • Alphabet GB Limited
  • Leasys Uk Ltd
  • Arval - Broker