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Personal Car Leasing

Personal car leasing is probably something you have heard a lot about from friends, colleagues, relatives, radio adverts or even online. However, like many new customers, actually understanding what this product is can be somewhat confusing. 

An Introduction to Personal Car Leasing

Let’s start are the beginning ... car leasing is a generic term for a number of financial products; what we are referring to here is a product referred to as personal contract hire.

Contract hire was originally designed for businesses, as this was a competitive and tax-efficient product. However, as contract hire grew in popularity, more and more people began to see the benefit of the product for themselves in an individual capacity. The process for the two is almost identical.

Over the last 10 years, the market for individuals has grown considerably, as more finance companies, manufacturers and businesses have developed a full suite of personal products to meet this public demand.

Please Click To Watch Our Personal Car Leasing Information Video Below


How Does Personal Car Leasing Work?

This is actually more simple than it would first appear. In essence it is an agreement between an individual and a finance company, whereby the individual will use a vehicle for a fixed period of time i.e. 2 or 3 years and covering a predetermined amount of miles per annum. At the end of the agreement, the vehicle will be collected and the customer can either lease a new car or decide on a different option. Unlike buying car, a customer never owns the car.

For example:

Customer “Mr A” wants to lease a petrol Nissan Juke. He wants to use the vehicle for 3 years and his annual mileage is 12,000 miles. He provides this information to the team at CarLease UK.

Our account manager will then calculate the monthly cost of the vehicle based on those options; in this instance let’s say it is £200 per month with an initial payment (or deposit) of £600. This information is provided to Mr A, together with proposal form (application for credit).

Mr A completes the proposal form and returns it to his account manager, who submits this on Mr A’s behalf. Once credit has been accepted, an order form is produced for Mr A to sign and return. We will also ask for copies of a driving licence and utility bill as part of the process.

Once the relevant proofs have been received, we will produce a series of documents relating to the car leasing arrangement i.e. contract, direct debit and vehicle delivery note.

When Mr A has signed and returned these, delivery of the vehicle (included for FREE with all our prices) is arranged for a date which is convenient to Mr A. The vehicle is delivered and Mr A inspects the car to ensure that it meets his satisfaction; returning the delivery note to us when happy.

Around 7-10 days later, the initial payment (or deposit) which has been agreed between Mr A and CarLease UK is taken via direct debit. Following this, regular monthly payments of £200 are taken via direct debit for the next 35 months.

6 months prior to the end of the contract, Mr A will receive a call from us to inform him the contract is coming to an end. Around 3 months before the end of the contract, Mr A will either decide on the car he requires next or will inform us that he no longer requires the car. On, or before, the contract end date, a representative will collect the car.


Why Is Personal Car Leasing So Popular?

  • Low deposit options available – you control what you can afford to pay;
  • Fixed period of car ownership ranging from 2 years to 5 years – you decide how long you need to use the car;
  • Option to include a maintenance package to cover servicing, maintenance and tyres i.e. “fully-maintained” car lease – if you simply want to fuel and insure the car, let CarLease UK arrange it;
  • An individual can benefit from ‘fleet’ discount levels – why pay more at the dealer; and 
  • Above all, no concerns – if it increases in value BUY IT, and if is depreciates, LEASE IT !


How Can I Lease My Next Car?

For those of you who are now interested in car leasing, simply read the following below and get in touch with us by telephoning 01942 608606 or be emailing us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it. :


  • Choose your Car– take a look at our website, or visit a dealership, and decide which car or type of car you require;
  • Choose your Mileage – work out your annual mileage and provide this with your enquiry;
  • Choose your Term – work our how long you need a car for; the minimum term is 2 years and the maximum is 5 years . Choose carefully, as this contract is fixed and you will need to pay an early termination charge to end the contract;
  • Choose your Maintenance – you don’t need to include a maintenance package i.e. to include the cost of servicing, maintenance and tyres. However,  it is often much more cost effective to include this into the contract, as opposed to doing this yourself; and
  • Check you credit – this is a credit based product. Please ensure you have reviewed your credit status before liaising with us. However, if you do have poor credit, please let us know and we will be happy to assist 

Our Current Best Selling Personal Leasing Offer - Vauxhall Corsa Ecoflex Design - Please Click To See The Video