What this page covers
This page is about eligibility: who we can usually help, when a different product is the better answer, and what a bumpy credit history does and does not change about what you pay.
If you want the assessment itself explained — the soft check via Creditsafe, what shifts a decision, and the process from first enquiry to collection — that is set out in full on our car leasing with a bumpy credit record page.
Who this is for
“Imperfect credit” covers a lot of ground. We have approved leases for people with each of the following, depending on the wider picture:
When something else might suit better
We will not pretend leasing fits every situation. If your monthly affordability is genuinely tight, or you want certainty of ownership at the end, our Rent to Buy product or a different finance route may suit you better. Part of our job is telling you when that is the case.
What affects the price
The same things that affect every lease — vehicle, term, mileage, and initial rental. Imperfect credit may shift where the initial-rental sits (typically the higher of our 1.5-month or 3-month structures rather than the lower) but it does not move you onto a different product or worse terms behind the scenes.
Frequently asked questions
Will checking with you affect my credit score?
A soft credit check via Creditsafe does not normally affect your credit score in the same way as a full lending application search. We use it for identity, address, fraud-prevention and general suitability checks. If something needs further review, a hard search may be required — but we will always ask for your permission first.
What counts as 'imperfect' credit?
It is a wide range — limited credit history, missed payments, defaults, county court judgments (CCJs), or a low score caused by a one-off life event. We treat each situation on its own merits rather than rejecting on the score alone.
Can I lease with a default on my file?
[PLACEHOLDER — to be confirmed by underwriting] In many cases yes, depending on age, value, and the rest of the picture. Run a soft check or call us so we can give you a straight answer for your specific situation.
Can I lease with a CCJ?
[PLACEHOLDER — to be confirmed by underwriting] Possibly, depending on the CCJ status, age, and your wider circumstances. Some applications will be declined honestly. The only way to know for certain is to ask.
Can I lease during an IVA?
[PLACEHOLDER — to be confirmed by underwriting] We will give you an honest answer at the soft-check stage. If we cannot help, we will say so plainly rather than waste your time.
How likely am I to be approved?
We do not offer guaranteed approval and we do not pretend to. A soft check gives us enough information to give you a realistic indication. If your situation does not work for us, we will tell you — and where possible we will say what would change the outcome.
What documents will I need?
Typically: ID, proof of address, and evidence of income suited to your circumstances — payslips for PAYE, SA302s and bank statements for self-employed, contracts where relevant. We will ask only for what is needed for your specific application.
Reviewed by
Billy Lang, Director
FCA Registration No: 835008
All applications are subject to status.
We do not offer guaranteed approval and we do not make “100% acceptance” or “no credit check” claims. Some applications will be declined. First Flexi Lease is a trading name of Oak First Investments Ltd. FCA Registration No: 835008. Authorised and regulated by the Financial Conduct Authority.
See where you stand
A soft check via Creditsafe takes minutes and gives you an honest answer either way. Does not normally affect your credit score the same way as a full lending application.
