What we check
Identity and licence details, current affordability, requested documents, supplier criteria and vehicle availability.
- Full UK licence
- Address and affordability evidence when requested
- Vehicle and supplier fit
No credit check leasingPast credit issues?
Past credit issues?
You can still enquire.
The initial no-credit-check lease enquiry does not use a traditional credit-score assessment. Affordability, identity, licence and supplier checks still apply.
CCJs and defaults consideredAffordability and supplier checks applyApplications reviewed individually
Know the routeClear about what is
Clear about what is
checked and not promised.
No-credit-check describes the initial lease enquiry only. It does not mean no review: we need enough information to assess whether a suitable vehicle and agreement may be available.
What we do not check
The initial no-credit-check lease enquiry does not use a traditional credit-score assessment. Finance applications are separate and may involve lender checks.
- No traditional score assessment on the initial lease enquiry
- No automatic finance approval
- No taxi use on the standard lease
What is not guaranteed
An enquiry is not approval. A specific vehicle, price, term, delivery date or included service is only confirmed in the written offer and agreement.
- Approval
- Vehicle availability
- Final figures and handover timing
Is this route for you?Who no-credit-check leasing
Who no-credit-check leasing
can suit.
There is no one-size-fits-all answer, but this route can be a strong fit when you need a vehicle and want your current circumstances considered. It is not a guarantee of approval: every enquiry is assessed individually.
Rebuilding after credit issues
A past default, missed payment, CCJ or thin credit history does not automatically stop you from asking about this route. Your current circumstances are considered alongside the supplier's requirements.
Starting or changing work
If your circumstances have recently improved, current income and affordability evidence can be more helpful than a historic credit score. The team will explain what evidence is needed.
Keeping family life moving
A compact automatic, family SUV or practical vehicle can make school runs, commuting and everyday plans easier when you need dependable transport without a long ownership commitment.
Planning for the shorter term
Typical lease terms run from 3 to 12 months. This can suit someone who wants a clear agreement period, rather than buying a vehicle and later having to sell it on.
Before you applyClear figures before
Clear figures before
you commit.
Every vehicle listing confirms its own initial payment, monthly payment, mileage allowance, term and included services. These can vary by vehicle and supplier, so availability is always confirmed before an agreement is made.
Initial payment
The agreed initial payment is shown on the vehicle offer. It can include the first monthly payment, deposit and agreed administration charges.
Terms and mileage
Most offers run for 3–12 months. The permitted monthly mileage is confirmed on the written vehicle offer before you proceed.
What is included
Eligible packages include road tax, MOT, routine servicing and maintenance. Check the individual vehicle offer for the exact inclusions and any items that are not covered.
What happens after an approval
If your application is approved and you choose to proceed, the £150 processing fee is payable before we begin securing the chosen vehicle. It covers account setup, document verification, supplier liaison and vehicle-securing work. Once that work has started, the fee is non-refundable. Payment does not reserve a vehicle until we confirm it in writing.
No-credit-check leasing
Short, flexible access
A lease agreement for use of a vehicle. You do not own the vehicle and must follow the mileage, condition and return terms.
Check My Options — 60 SecondsCar finance
Separate lender application
HP and PCP finance are subject to lender credit checks, affordability, status and vehicle criteria.
Explore car financeReady when you are
Find out what may suit your budget.
Share a few basic details and the team will explain the vehicle and payment options currently available.