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Frequently Asked Questions

Yes, you will need to undergo a credit check to assess your past and present financial circumstances, your credit strength and risk status. This is a relatively quick and easy process.

Once this has been done, our team of underwriters will decide which finance company suits you best. If there are several that might suit you, we choose the company offering the best deal.

It is much easier to lease a car if you have a healthy credit status and most insurers will ask for a good to excellent rating. However, if you have a poor credit rating, you may still be able to lease with us using a finance company who specialises in helping people with poorer credit scores.  You can check your credit status here.

It is easier to lease a car if you have a healthy credit status and most insurers will ask for a good to excellent rating before they will provide finance. However, if you do have a poor or bad credit rating, you may well still be able to lease with us using a finance company who specialises in helping those with poorer credit scores.

Your consultant can explain in more detail the difference between a standard leasing agreement and an agreement for those with poor credit status.

If you’d like to chat through your credit status, then please give one of our expert Leasing Consultant’s a call on: 0118 920 5130 or alternatively email: enquiries@selectcarleasing.co.uk.

You do not need to be employed to lease a car, however you must be receiving a regular form of income or benefit (such as a pension or disability allowance) and must be able to prove you can afford the monthly payments.

Most finance companies will respond with an answer to a credit application within 24 to 48 hours. This can take longer however if additional information is required.

The amount you can borrow will depend upon your credit score, the size of the deposit you wish to put down and your ability to afford the repayments.

If you’d like to know in more detail how much you can borrow, then please give one of our expert Leasing Consultant’s a call on: 0118 920 5130 or alternatively email: enquiries@selectcarleasing.co.uk.

The exact initial/deposit payment you pay will be tailored to you. The higher the upfront /deposit payment, the lower your on-going monthly amounts will be and vice versa. Most of our deals are structured with an initial/deposit payment equal to 3, 6 or 9 months' worth of monthly payments, however our website (and our consultants) will allow you to adjust this up and down so that you can find the rate that works best for you.

Whilst the majority of customers make a deposit (also termed an 'initial' or 'upfront' payment) as it helps to lower their monthly payments, it is not an absolute requirement. If you do not wish to pay a deposit, this is possible, however, your monthly payments will be higher as a result.

We have established partnerships with some of the biggest finance names in the UK including Lex, Network (the broker division of Lease Plan), Alphabet, Arval, Santander, ALD and Hitachi. However, we do have relationships with other well-known finance companies.

Occasionally a guarantor and/or joint application will be accepted but this is entirely dependent upon the finance company and decisions are made on a case-by-case basis.

If you’d like to know more then please give one of our expert Leasing Consultant’s a call on: 0118 920 5130 or alternatively email: enquiries@selectcarleasing.co.uk.

When you sign the documents for your vehicle, your bank details will be taken, and your payments will later be drawn from this account.

Your initial payment will usually be taken 7-14 days after you have taken delivery of your new vehicle (this can differ however depending upon the finance company).

Your on-going monthly payments will usually commence a month after you have taken delivery of your vehicle, however, the exact timing may differ by finance company. Your finance company will inform you with plenty of notice about both the amounts payable and the payment dates.