We have an employee moving to Cornwall from Italy and he needs to lease a car for the first 6 months. For the first two weeks of his employment he will be in temporary accommodation. I would like to know if it is possible for him to lease a car directly with you if we provide a written employment reference confirming his position with us and his salary? the details entered (except the email and phone number) are his details. Please let me know if you need any further information.
I'm afraid to be able to lease a car in the UK, the applicant must be working and living in the UK for at least 3 years or more and very importantly must be on the UK Elections Register. This applies with all car leasing companies and lenders in the UK. You could lease the car in your name and make your employee a named driver on the insurance. However, you will be responsible if anything happened to the car.
Another option is to hire a car on a long term car rental agreement. Although costs more, with this option your employee fully responsible for the vehicle.
Hi I filled in the details to discuss a lease. I do not want more credit searches, I have already been accepted by sub prime lenders offering finance with
similar rates than your affiliate partners will get me.I just wanted to discuss lease options, so please do not do any credit searches until we have spoke further.
As stated we do not do credit searches and our affiliate partners will only
credit search you once they have spoken to you first. The only thing that happened
at this stage is via our automated systems is to verify your details against the UK Elections Register (which is harmless) and check if your details are correct and up to date. This in a way protects you and us from any fraudulent activities.
Hi, I was thinking
leasing a car and was wondering if lease purchase was the best option?
To Lease Purchase a vehicle would require good or excellent credit history and next best option would be PCP
(Personal Contract Purchase) which means by paying just a few pounds more per month
you would be guaranteed the future value of the car and you wouldn't have any unexpected inflated balloon payments if you were to Lease Purchase.
PCP is the most popular type of car leasing option for most people with good or
poor credit history.
Hi, I've got bad credit
history, can I lease a car?
In the likely hood your credit history is poor
or bad then the next best option would be Hire Purchase or Car Finance. However, this would mean you will be paying a bit more because you are paying to keep the car as it will be fully yours at the end of the contract.
For more details you do need to speak to one of our underwriters who will help
you pick the right option.
When I apply with you, is
it just one band or lender that the deal with or more?
As these car deals on offer go hand in hand with the car leasing finance side of the car,
our affiliate partners will put something very competitive together for you, as they work with a panel
of 50 of the best lenders. You just apply once and then tap into 50 different
options. Normally it gets narrowed down to 2 or 3 options so to be easier to
pick the best one for you.
What if I change my mind
after I have applied with you?
It is up to you who you choose to obtain your next car and you can cancel this service at any given time with no obligations what so ever.
Our service is totally free to you.
Do you credit search once
I put in an application?
No we don't, why do you
ask?
I the lease deals that
you have, however my credit is only affected as I had 4 payments late a few
months ago. due to a misunderstanding with rental income from tenant but other than that my credit was good rating and then recently I applied for and addition PCP as I already have one with Alphera
finance, it was rejected on the basis of the late payments and I already had one, the car company done additional proposals and
it has now affected my score and taken it to fair so I am reluctant to take out
more credit searches.
I was hoping I maybe able to get some advise before any further searches I have very low monthly outgoings and can afford a decent car but I am concerned now about my credit affecting this.I was wondering if a lease is possible now with my credit being affected.
Sorry to hear that. As I said, for that reason we do not credit search our customers but have our own scoring system that does not affect our customer's credit history score. Our partners work with a
panel of 50 of the best lenders in the UK market and based on the information
you provided there is a solution for you. You will be contacted by your account
manager later in the day.
Hi we have been trying to contact you and we keep getting the message that our call can not be taken ?
Hi, which telephone contact
number were you calling?
I was calling your 08717
telephone number.
I'm afraid that number is
used once you have passed the stage of applying and want to speak to one of the
account manager also called underwriters. This phone number is used during
offices hours, between 9am to 7pm Monday to Friday. If you want to speak to us
about cars, car specification and car leasing in general then you can called
this number contact number 0845 643 4315
Hi, I made a request for a quote yesterday evening. Was wondering if I could have more information please?
Hi, I'm sorry but there is no quote request with
the facebook name you have contacted us with. However, there are with similar names. Please advise
Ah, sorry, forgot to give you my real name.
Ok, I found you on our systems. However, the car leasing finance side of the process is open for business tomorrow.
Why hasn't anyone phoned
me yet or sent me a firm quote proposal?
More info is needed to get you something firm put together, it could be that you are not on the UK Elections Register where you live or not enough time and need previous address details. What do you think it could be?
I am on the electoral role, but not for a full year yet. Has a credit check been done because I haven't given permission for this. I thought
I put through a quotation not an application?
No credit check has been done! The UK Elections register was checked to confirm who you are. This does no harm but helps us identify you.
In general have you been on the register more than 3 years?
Oh okay no problem. I
have at a previous address for 8 years. My previous address is... also just to confirm I have lived at my current address for 10 months. I think my auto corrected and populated the wrong field
Don't worry, that is why one of our affiliate partners would need to contact you first to confirm your identity and details. That would probably be tomorrow. Is this ok?
Yes this is fine. Do you have more information about the car I enquired about. It states used? How old is it?
I see you picked a Nissan Juke from the used cars section. If you really do have good credit history, as stated, then your budget of £160 should get you a good deal. However, if you wanted a brand new or nearly new one that would cost a little bit more.
