Finance

If you have been declined vehicle finance, other funding options may be available to you depending on your circumstances. Applying for vehicle finance is much like applying for a credit card or loan. The finance companies will investigate your credit history before making a decision whether to accept your application. The Citizen's Advice Bureau offers a wealth of information about borrowing money, and what you can do if you have been refused credit.

On some occasions, the finance provider will accept a guarantor and/or joint application but this is dependent on the funder and is dealt with on a case-by-case basis. Please speak to us for further information.

Most funders respond to a credit application within 2 working days however during busy periods, it can take longer to receive a response from the funder.

Yes. As part of the leasing application process, you will be asked to submit a finance application. Business customers will fill in a Business Finance Application form, while personal customers will fill in a Personal Finance Application form. Most funders ask for a good to excellent credit score in order to be accepted for vehicle finance.

Dates for initial rental and monthly payments are dependent upon the finance provider. Some providers take the initial rental within 14 days of delivery of the vehicle, while others take payment before delivery is booked. Monthly payments are usually taken one month after delivery of the vehicle on a date set by the finance provider.

The initial rental is an advanced rental of usually equivalent to 3, 6 or 9 monthly rentals and is normally paid by Direct Debit just after delivery. This amount forms part for the hire agreement and is non-refundable. It's worth bearing in mind that paying a larger initial rental will reduce your monthly payments. We can also offer contracts with no or higher initial rentals so contact us and we can discuss your requirements further.

Maintenance is an optional cost and includes all servicing, necessary maintenance of tyres, brakes, the exhaust and the battery of your vehicle, plus any necessary labour costs. For further details, go to our maintenance guide.

As an FCA-regulated company we have to perform a credit check before completing a lease agreement. This is necessary to protect both you and the leasing company. We can't comment on individual cases, but those with poor credit may find it harder to be accepted. If you are unsure, the best course of action would be to find a deal you like and then give us a call to explain the situation.