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
PERSONAL AND BUSINESS
Non status car leasing
Non status simply means you do not fit the boxes the mainstream leasing companies tick. That covers a lot of perfectly sensible people and businesses. We look at your bank statements and your circumstances instead.
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
The short version
- Non status is trade language, not an insult. It means a person looks at your application instead of a computer.
- It is not a worse product. Same three year lease, same cars, agreed a different way.
- It covers adverse credit, no credit history at all, new companies and anyone whose circumstances simply do not fit a form.
- Most cars are between £299 and £499 a month. The first three months are payable up front, from around £900.
- We read your bank statements before any credit check, so finding out costs you nothing.
Written by Guy Prince, FCA-authorised credit broker, FRN 984955. Last updated 6 September 2026.
What non status actually means
It is trade language, not an insult, and most people meet it for the first time after they have already been turned down somewhere.
A standard car lease is agreed by computer. Your details go to a panel of funders, a score comes back, and the answer arrives in seconds. Non status leasing is what happens when a person looks at the application instead, because the automatic answer would have been no for reasons that have very little to do with whether you can afford the car.
Non status is not a worse product or a different sort of contract. It is the same three year lease on the same sort of car, agreed a different way.
Whatever a firm calls itself, if it is arranging credit it should be on the FCA Financial Services Register. That is the quickest way to tell a regulated broker from someone who is not one.
Who it is for
People with adverse credit
CCJs, defaults, an IVA, a debt management plan, a bankruptcy you have been discharged from. The usual reasons a computer says no.
People with no credit history at all
Never borrowed, always paid cash, or recently arrived in the UK and starting from nothing. Mainstream lenders find an empty file almost as difficult as a poor one, which strikes most people as unfair, and is.
New businesses
A company without three years of filed accounts is invisible to most funders, no matter how well it is trading.
Company directors
Directors whose own credit history is getting in the way of a business application.
Anyone whose circumstances are simply unusual
Recently self-employed, income from several places, back in the UK after working abroad. Nothing wrong, just nothing that fits a form.
Recently arrived in the UK
Being new here is not the problem in itself. What matters is a UK employment contract, UK bank statements showing income arriving, and enough of a record to work with. Somebody in a settled job with a proper employer is a straightforward case. Somebody who landed last month with nothing to show yet is not, whatever their nationality.
If your credit file is the issue specifically, our page on bad credit car leasing goes into that in more detail.
How it works for an individual
The order is the point.
1
Your bank statements come first
Three months of them, plus 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 you pay each month.
2
Nothing touches your credit file yet
No search, no footprint, no record that you asked.
3
You hear back within two working days
Either way, with the reason if it is a no.
4
Then a credit check, and only if the first part works
A full search, recorded on your file, and we tell you before it happens. Its job is to understand what went wrong and whether you dealt with it.
Then a decision made by a person. Not a score, and not in four seconds.
How it works for a business
We do write business contracts, including for companies that have only just started trading.
To get started you will need:
- Business bank statements
- Proof of identity for the applying director
- Personal bank statements for the applying director
A new company with no filed accounts is not a problem in itself. What matters most is the director behind it: their own credit history, and whether the affordability genuinely stacks up. A strong director with a young company is a far easier conversation than a shaky one with an established company.
The director will need to give a personal guarantee
That is worth being clear about, because it is the part people skim past. A personal guarantee means that if the company cannot make the payments, you pay them yourself, out of your own money. It is normal on business agreements of this kind and it is not something we can waive, but you should go into it knowing exactly what you are signing.
We are not going to pretend there is a formula. Send the paperwork over and we will tell you honestly whether it is likely to work.
Not sure which side of the line you fall on? Send us three months of statements and we will tell you within two working days.
What you will need
Whether you are applying as an individual or a company, some things do not change.
- From around £900 to start and more on the dearer cars. That is the first three months' rental up front. There is no version of this without it.
- Income from work. Employed or self-employed, £1,500 a month minimum after tax, and realistically £2,000 is where this starts to work properly. Other regular income counts on top of that. If you are applying as a company, this is the director's income.
- Evidence that the payments are affordable. Bank statements, read by a person.
- 21 or over, with a full UK driving licence for the person who will be driving. A provisional will not do.
- An address in mainland England or Wales.
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.
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£320 per month
£960 to start, then 35 payments of £320 inc VAT
Photograph of the actual car.
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£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.
Ordinary, practical cars. Hatchbacks and small SUVs, two to three years old, with mileage already on them.
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. There is no no-deposit option.
- You have no income from work, whether as an individual or a director drawing from the business.
- 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
That you do not fit the standard criteria a mainstream leasing company uses. It says nothing about you as a person or as a business. It usually means the automatic scoring system had nothing useful to go on, or found something historic and stopped there.
Mostly, yes, but it covers more ground. Bad credit leasing is about your credit file. Non status also takes in people with no credit history at all, new companies, and anyone whose circumstances are simply unusual. If your file is the issue, our page on bad credit car leasing covers it in more detail.
Yes, it is considered. Without filed accounts, the decision leans heavily on the director: their credit history, whether the payments are genuinely affordable, and their willingness to give a personal guarantee. Send the business bank statements, proof of ID and the director's personal statements, and we will give you a straight answer.
Yes, at the point the application progresses. As with everything else, the bank statements are read first.
It is a promise from the director, in their own name, to cover the payments if the company does not. If the business stops paying, the leasing company can pursue you personally for what is owed. It is standard on business leases like these and we cannot do a company agreement without one, so please do not treat it as a formality. If you are not comfortable giving one, a business contract is not going to be the right route.
Possibly. An empty file is a problem for automatic scoring but not for a person reading your statements. You will need a full UK driving licence and a UK address, so it depends where you are in the process of settling here.
Usually a bit, yes. Somebody is taking more risk and it is reflected in the price. Our cars sit between £299 and £499 a month, which is more than a prime lease on the same car would cost, and considerably less than most people expect.
No. We do not arrange guarantor agreements for personal leases.
No, and we would be wary of anyone offering one. The check is what stops somebody being handed a commitment that does not fit. See our page on no credit check.
Find out where you stand
Send us three months of bank statements, or the business paperwork if you are applying as a company. We will come back to you within two working days either way, before any credit check is run.
Check if I qualify