Photograph of the actual car.
MG 3
1.5 VTi-TECH Exclusive (Nav)
Manual · 2022 · 36,000 miles · Black
£275 per month
£825 to start, then 35 payments of £275 inc VAT
IVA · CCJ · Discharged bankruptcy · Defaults
Lease a car with bad credit
The car comes first. The credit file comes second.
We lease cars to people who have had a rough few years and are putting things straight.
No credit check at this stage
£299 to £499
a month, inc VAT
3 months
rental up front
36 months
road tax included
10,000
miles a year
To lease with us you'll need around £900 to £1,200 to start, income from work, and bank statements showing the payments are comfortably affordable. We'd rather tell you that now than at the end.
We look at what you can actually afford
Most leasing companies pass your details to a computer, which scores your credit file and returns an answer in seconds. Nobody reads anything, and nobody looks at what you earn or what you spend.
That works well enough if your file is clean. If it is not, a single problem from years ago can outweigh three years of steady wages and never missing a payment since.
We do it the other way round. You send three months of bank statements, and someone reads them before anyone looks at a credit file.
They are answering one question: would these payments sit comfortably alongside everything else you already pay? If the answer is yes, the credit history becomes a much smaller part of the conversation than you have been led to believe.
If the answer is no, you find out with nothing on your credit file.
Ready now
A small selection of vehicles in stock right now, with fixed monthly payments and road tax included.
Check if I can get this car
Photograph of the actual car.
BMW i3
125kW 42kWh
AUTO · 2020 · 55,000 miles · Mineral Grey/Black Roof
£320 per month
£960 to start, then 35 payments of £320 inc VAT
Photograph of the actual car.
Renault Zoe
100kW S Edition R135 50kWh Rapid Charge
AUTO · 2022 · 23,000 miles · Highland Grey
£320 per month
£960 to start, then 35 payments of £320 inc VAT
1
Tell us a bit about your situation.
A few questions about your income and your credit history. Nothing that touches your credit file.
2
Send three months of bank statements and your driving licence.
That's all we need to start.
3
Someone at the lender reads them properly.
They are checking the payments would sit comfortably alongside everything else you pay, rather than looking for reasons to say no.
4
You hear from us within two working days.
Either way. The credit check only happens after that, and only if things look positive.
Who we can help
Around £900 to £1,200 to start.
Three months' rental up front. There's no no-deposit version.
Income from work.
£1,500 a month minimum after tax. Anything else you receive counts on top of that.
Your recent statements holding up.
Past trouble is fine. That's who we're here for. What gets looked at is the pattern over three months, not whether every single payment on them is perfect.
We do a lot of them, and we'll walk you through the permission your IP needs for car leasing with an IVA.
We can't help if
Important direct debits failing month after month, or more than two or three that have bounced in the last three months, you drive more than 20,000 miles a year, you haven't been discharged from bankruptcy yet, or you can't cover the payment up front. We'd rather say so on this page than after you've sent us your bank statements.
Whichever of these is yours, there is a page on it: bad credit car leasing, car leasing with an IVA, car leasing with a CCJ, car leasing after bankruptcy, non status car leasing, and no credit check car leasing.
Not sure whether your situation counts? Here's how bad credit car leasing actually works.
What you'll need
- Around £900 to £1,200 to start, depending on the car. Three months up front.
- Income from work. £1,500 a month minimum after tax.
- Three months of bank statements and your driving licence.
- A full UK driving licence and an address in mainland England or Wales.
What's included
- Road tax for the full three years.
- Free delivery and collection at the start and end.
- 36 month agreements, 10,000 miles a year.
- Ordinary, practical cars, two to three years old.