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
THE HONEST ANSWER
No credit check car leasing
You have probably found a few companies promising it. Here is what is actually going on, why a credit check is usually in your favour rather than against it, and what we do instead.
Nothing touches your credit file today
£299 to £499
a month, inc VAT
3 months
rental up front
36 months
road tax included
10,000
miles a year
The short answer
No credit check car leasing, in the form most people picture it, does not exist in the UK. Nobody will hand you a car on a three year lease without looking at who you are and what you can afford. What companies advertising the phrase actually mean varies, and it is worth knowing which version you are being offered.
If you are searching this phrase, you probably do not really want a company that skips the checks. What you want is to stop being turned down by a computer for something that happened three years ago. That is a different problem, and it has a proper solution.
Written by Guy Prince, FCA-authorised credit broker, FRN 984955. Last updated 6 September 2026.
Why the phrase exists at all
Because it works. It is the one thing a person who has been declined four times wants to hear, so it gets used as a headline whether or not it describes the product underneath.
Look at the search results for it and you will find companies leading with "100% guaranteed acceptance" and "we do not credit score on this contract". Those are attention-grabbing claims aimed at people who have run out of options, which is exactly when nobody reads the small print.
What is usually happening underneath
When a company advertises leasing with no credit check, one of three things is normally true.
They are checking, but describing it loosely
Plenty of firms run a soft search first, call that no credit check, and then run a full search once you are further into the process. The check has not gone away. It has moved to a point where you are already invested.
You are not comparing like with like
A rolling monthly arrangement you can walk away from in thirty days is a different product from a three year lease, even when the advert puts them side by side. Check how long you are committing for, and what happens if you want out early, before you compare the monthly figure to ours.
They genuinely are not checking, and the risk is in the price
If a company hands over a fifteen thousand pound car without looking at whether you can pay for it, that risk does not disappear. It is priced in. You will pay more each month, or more up front, or both.
None of that makes those companies villains. But "no credit check" is a description of their process, not a favour they are doing you.
Worth knowing, since we have just raised it. Our own pricing does not move with your credit history. The monthly figure on a car is the same whoever takes it. Somebody with a clean file and somebody with four CCJs pay the same for the same vehicle, because the risk is carried across everybody rather than loaded onto the people least able to argue about it.
Why you probably want the check
This is the part nobody says out loud.
A credit check is not only there to protect the company. It is the step that stops you being handed a commitment that does not fit your life.
If you are in an IVA, your arrangement shows on a credit search. Any company that looks will see it, and will not set up an agreement without your Insolvency Practitioner's consent. A company that does not look will not see it, will not ask, and you could end up in breach of your arrangement without knowing you had done anything wrong.
The same goes for existing commitments. A proper look at your circumstances is how somebody notices that the payment would leave you short before you have signed for three years of it.
If a company tells you it will not check your credit, that is not generosity. It is them not looking.
What we do instead
We do check. What we do differently is the order, and it is the order that matters to you.
1
Your bank statements come first
You send three months of statements and a copy of your driving licence. Someone at the lender reads them properly and works out whether the payments would sit comfortably alongside everything else that goes out of your account.
2
Nothing touches your credit file yet
No search, no footprint, no record that you asked. If the answer is no, you find out having lost nothing.
3
You hear back within two working days
Either way, with the reason if it is a no.
4
The credit check comes last
A full search, recorded on your file, and we tell you before it happens. Its job is to see what went wrong and whether you dealt with it, not to produce a pass mark.
A person makes the decision. Not a score. That is the actual difference between us and the mainstream companies, and it is a far more useful one than a promise nobody can keep. Any FCA-authorised firm will be on the Financial Services Register, and you can check ours the same way.
Want to know where you stand without anything touching your file? Send us three months of statements and we will tell you within two working days.
If what you are really worried about is your credit file rather than the car, our guide to whether leasing affects your credit score explains what a search actually does and how long it lasts.
What you will need
Being straight about this is the whole point of the page, so here it is.
- From around £900 to start and more on the dearer cars. That is the first three months' rental. There is no no-deposit version.
- Income from work. Employed or self-employed, £1,500 a month minimum after tax. Other income counts on top of that, but there has to be earned income there.
- Your recent statements holding up. Past trouble is fine, and that is who we are here for. What gets looked at is the pattern over three months, not whether every single payment on them is perfect.
- A full UK driving licence, and an address in mainland England or Wales.
- 21 or over, with a full UK driving licence. A provisional will not do.
For the full list of what you need, including how to get your bank statements right, see our guide.
What it costs
£299 to £499
a month, inc VAT
£900+
three months up front
36
months, road tax in
10,000
miles a year
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
Most cars are between £299 and £499 a month, including VAT and road tax for the three years. Delivery and collection are free. Servicing, tyres, MOT and insurance are yours to arrange, and you will need fully comprehensive cover.
Agreements run for 36 months with 10,000 miles a year. Going over costs between 10p and 14p per mile plus VAT, depending on the car, and around 12p on most of them. The exact rate is written into your agreement before you sign. At the end you hand the car back. There is no option to buy it.
Ten thousand miles a year is the standard allowance. Higher mileage quotes are available up to twenty thousand a year, so ask if you need more.
Every car comes with at least twelve months' warranty, and each one is serviced, inspected and put right before it goes out. Delivery usually takes seven to ten days from order.
Delivery and collection are free anywhere in mainland England and Wales. Scotland is not something we can cover, so please get in touch before applying if that is where you are.
Servicing, tyres, MOT and insurance are not included. These are customer maintained agreements, so budget for those separately.
When we cannot help
- You cannot cover the first three months up front.
- Your income is from benefits or other sources only, with nothing earned alongside it.
- Important direct debits failing month after month. One or two that bounced and were sorted out is not the issue. A pattern is.
- You drive more than 20,000 miles a year.
- You have been declared bankrupt and have not yet been discharged.
- You are under 21, or hold a provisional rather than a full UK licence.
Questions people ask
Companies advertise it. In practice, almost anyone handing over a car worth thousands of pounds wants to know something about who they are giving it to. Where a company genuinely does not check, the risk is usually priced into what you pay, or the agreement is structured differently from a standard three year lease.
Yes, but not at the start. Your bank statements are read first, and the credit check only happens if that part already works. It is a full search and we tell you before it is done.
Not at the first stage. Nothing touches your file while your affordability is being looked at. If we cannot help you, nothing will have been recorded at all.
An advertising phrase rather than a product. Nobody can guarantee to accept an application before they have seen who is applying. Any company promising it either has not thought about what it is saying, or is relying on you not to.
Not with us, and we would be careful about anyone offering both. The up front payment and the check are the two things that let a specialist lessor say yes to somebody the mainstream companies have turned down.
No, and it could cause you real trouble. Your IVA needs your Insolvency Practitioner's agreement before you take on a lease. A company that does not run a search will not see the IVA and will not ask about it, which is how people end up in breach of their arrangement. See our page on car leasing with an IVA.
Bad credit car leasing, or a specialist who assesses affordability rather than credit scores. That is the product that actually exists. See our page on bad credit car leasing.
Find out where you stand
Send us three months of bank statements and we will tell you within two working days whether this is likely to work, before any credit check is run. If we cannot help, we will tell you why.
Check if I qualify