About Fresh Start Car Leasing

Fresh Start Car Leasing is a trading style of First Oak Capital Ltd, a credit broker authorised and regulated by the Financial Conduct Authority under firm reference number 984955. The company was incorporated in 2022, is registered in England and Wales under company number 14170340, and works from West Meon in Hampshire.

You can check our authorisation yourself on the Financial Services Register at register.fca.org.uk. We would encourage you to, and to do the same for anyone else offering you a car.

Most car leasing companies assess you with a credit score. It takes about four seconds, it happens before anyone has looked at what you actually earn or what you actually spend, and if the number is wrong you are declined without a person ever having read anything.

That works reasonably well for people whose lives have been uneventful. It works badly for people whose lives have not.

If you have been through an IVA, a bankruptcy, a divorce, a redundancy or a business that did not make it, the score is a record of the worst period of your life and it stays there for six years. It says nothing about whether you can afford £329 a month today.

So this site exists to work the other way round. Send us three months of bank statements and a copy of your driving licence, and someone reads them before anyone looks at a credit file. If the money is there, the credit history is a much smaller obstacle than you have been led to believe. If it is not, we say so quickly and nothing has touched your credit file.

Fresh Start was set up by Guy Prince, who has spent his career in commercial finance and main dealership motor finance. That background is the reason this site takes the approach it does: after enough years on the other side of the desk, you stop believing that a score tells you whether someone will pay.

We are a credit broker, not a lender. We look at your circumstances, read your statements, and put your application in front of a lender if we think they can help. The lender provides the car and makes the decision.

Our service is free to you. The lender pays us a fixed fee when an agreement completes, which is the same fee whatever car you take. Our How We Are Paid page explains that in full, including how to ask us what we were paid on your agreement.

We are not independent, and we do not search the whole market. We work with a small number of lenders, so there may be deals elsewhere that we cannot arrange.

We do not guarantee acceptance and we never will. Any company telling you otherwise is not being straight with you, and on this website you will find a whole page explaining why no credit check car leasing does not mean what most people think it means.

Past problems are fine. Current ones usually are not, and that is the difference we cannot work around.

Deliberately small. We are not a call centre, there is no sales floor, and nobody here is on a monthly target. That means we can spend time reading your statements properly. It also means we can only take on a limited number of applications, so if we are honest about whether we can help you it is because wasting your time wastes ours too.

Answer a few questions and send us three months of bank statements. We will tell you within two working days whether this is likely to work, before any credit check.