Frequently Asked Questions

Anyone aged 18 or over with a full UK driving licence, subject to a credit check by the finance provider. Businesses of all types can lease too - limited companies, sole traders, partnerships and LLPs.

Yes. When you apply, the finance provider searches your records with credit reference agencies, and a footprint of that search will be visible to other lenders. We submit your application to one carefully chosen funder rather than several at once, and we'll always talk to you before taking any further steps if a funder declines.

It depends on the circumstances. Funders assess each application individually, and different funders have different appetites. Be upfront with us and we'll be honest about your realistic options before anything is submitted.

Yes - we charge a processing fee for our brokerage services, payable once finance approval and your signed order have been received. The fee is shown clearly on every quote before you commit to anything. See our information notice for details.

As a credit broker we may receive commission from the finance provider if you enter into an agreement with them. It may be pre-set but can vary, and it will impact the amount payable by you. We disclose the commission before you order and ask you to sign to confirm your informed consent. Full details are in our commission disclosure.

Yes. We're an independent broker, so we can quote on any car or van sold new in the UK - in your choice of colour, trim and factory options.

In-stock vehicles: typically one to three weeks from approval. Factory orders: usually eight to sixteen weeks depending on the manufacturer. We'll give you an honest estimate before you order and keep you updated throughout.

Yes - free delivery to your door anywhere on the UK mainland, and free collection at the end of the contract.

Yes. With our extensive network of dealers and buyers, we can arrange the sale of your current car to coincide with your new car delivery - so the whole process is seamless. Mention it when you request a quote and we'll handle both sides of the changeover.

Permanent modifications aren't allowed - the vehicle must go back as it came. Removable accessories (mats, dash cams with non-invasive fitting, roof boxes) are generally fine. Tow bars and racking can often be arranged, but always ask us first so the funder can approve it.

You do - fully comprehensive cover is required from the day of delivery, with the funder noted as the vehicle's owner. Consider GAP insurance as well; ask us for details.

Contact us. Most funders can formally amend your mileage allowance mid-contract, adjusting your rental accordingly - almost always cheaper than paying excess mileage charges at the end.

Usually yes, for holidays and short trips - you'll need a VE103 vehicle-on-hire certificate from the funder (small fee) and appropriate insurance cover. Ask us and we'll arrange the paperwork.

Contact the funder (and us) as early as possible - funders have support options, especially if you flag difficulties early. Failure to maintain payments may result in termination of your agreement and the vehicle being returned to the funder, and can affect your ability to obtain credit in future.

Usually yes, but the funder will make an early termination charge - commonly a substantial proportion of the remaining rentals. Talk to us first: an extension, mileage amendment or other arrangement may work out better.

No - contract hire has no purchase option; the vehicle goes back to the funder. If a route to ownership matters to you, tell us and we can discuss whether a different product would suit you better.

Nothing, provided the vehicle is within its contracted mileage and in good condition per the BVRLA Fair Wear and Tear Guide. Excess mileage and damage beyond fair wear and tear are chargeable. Our end of contract guide explains how to hand back charge-free.

Often, yes - formally or informally depending on the funder. It's a useful bridge if your next vehicle is on factory order. Contact us a few months before your contract ends and we'll arrange it.