First-time leasing

What Car? Leasing is committed to finding you the best possible vehicle leasing deal, tailored to your needs. Whether you are looking for a business or personal lease, there will be offers available that will help you find the best lease to fit your requirements.

Why should I use What Car? Leasing to find vehicle leasing deals?
What Car? Leasing only deals with main franchised dealerships from all around the UK that advertise their best deals on our website. Our site is designed to make the process of choosing your vehicle easy and understandable. By simply entering your postcode and selecting some search terms, our website will display offers from dealerships advertising in your area. If you request a quote on a deal then the dealership will contact you directly with a quotation tailored to your specific requirements and you can choose your initial payment amount, contract length and mileage.

Why should I lease a vehicle?
Leasing allows you to replace your vehicle with a new model every few years and you have a fixed monthly payment for the term of the lease. For a breakdown of the pros and cons of leasing a vehicle click here to see our Should I Lease or Buy a Vehicle? guide.
Deals are normally calculated over periods of two, three or four years. When you see deals advertised as 3+23 or 3+35 contracts, this simply means you'll face a down payment that comprises three monthly payments, followed by 23, 35 or 47 monthly payments, depending on term (you will also see 6+23 & 6+35 deals in the search results).
The monthly payment is determined by the type of vehicle, length of contract and mileage limit chosen. For more on how this works check out our What Does 3+35 Mean? page.
You can request quotations on alternative terms and mileage direct from the dealership.

Mileage limits
The most common annual mileages advertised on What Car? Leasing for all deals are 8,000 or 10,000 miles per year, but you can also request a quotation with a lower or higher mileage limit.
Annual mileage allowance is agreed prior to the commencement of the contract, so it pays to estimate your annual mileage accurately because you'll face additional charges if you exceed the mileage limit. The cost of excess mileage can vary between finance companies but will be clearly displayed before commencement of your contract. For more on how Excess mileages work, click here.

Types of leasing deals
Personal contract hire (PCH)
This is the best choice when you are using the car for personal use or have a vehicle allowance through your employment. Advertised prices include VAT.

Business contract hire (BCH)
Advertised prices are exclusive of VAT. This is a better option for business users because the VAT can be reclaimed during the term of your lease; this is called 'blocked VAT'. To do this, your company must be VAT-registered.

Credit check
Once you have chosen your preferred vehicle, you will be required to complete a credit check and declare personal information including your name, address, employment details and income. This form will be sent to you via the dealership and can be completed online. The dealership will then submit your application to the finance company, which will use it to determine whether you are eligible to continue with the lease. Occasionally the finance company will request additional information to support your application, such as bank statements.
All our dealerships adhere to a strict confidential data process to ensure your identity and personal information is protected.
The vehicle will belong to the finance company throughout. You will be the registered keeper of the vehicle.

Administration fees
Some dealerships may charge an administration fee that is payable upfront. This will be clearly stated within the quotation details.

Some of the lease deals may come with free UK delivery arranged by the dealership and can be delivered to your choice of location. Some dealerships may provide free delivery only within a certain radius but this will be clearly stated within the dealership information.

Your lease vehicle is covered by the manufacturer-backed warranty. Under this, any non-consumable parts that go wrong within this period will be replaced at your local dealership free of charge (refer to your documentation to check what is covered in your warranty).
Many car warranties are provided for three years so if you have a leasing contract of three years or less then the vehicle will be covered throughout your agreement period. However, manufacturer warranties vary, so always check beforehand.

Maintenance Packages
The option to purchase maintenance packages with your lease vehicle are available with all of the dealerships on our website and will cover the servicing costs for the length of your contract (speak to the dealership for pricing information and what is covered in the maintenance package).
It will be your responsibility to have the car serviced in line with the manufacturer service intervals.

Road tax and MOT
Personal and business contract hire agreements may also include road tax (VED) (please check with the dealership to confirm this).
All lease cars are new so won't require an MOT test until three years old. You shouldn't need to put one through an MOT test unless your contract is longer than three years.

Insurance is not included within your lease contract. You will be required to contact your preferred insurance company to arrange cover. In the case of an accident, you will contact your insurance provider in the usual way.

When the Contract Ends
At the end of the contract you simply hand back the car, ensuring it is returned in a roadworthy condition without any internal or external damage other than usual wear and tear (see the wear-and-tear guide for further information). It makes sense to repair any damage to a lease vehicle before the contract ends because you'll face extra charges to cover any necessary repairs.

Should you wish to take another lease, we recommend commencement three months before returning your current lease car.

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