Vehicle leasing guides

Defaults, missed payments, low scores

Vehicle leasing with imperfect credit

What we accept and what may affect a decision. The umbrella page for credit history concerns.

Newly incorporated, no filed accounts

Vehicle leasing for new limited companies

Soft credit check, director-guarantee disclosure up front, 1.5-vs-3-month initial-rental rule explained.

Built around how the self-employed get paid

Vehicle leasing for the self-employed

SA302s, bank statements, contracts and invoices accepted. Not PAYE-only assumptions.

Lease in your name with business use

Vehicle leasing for sole traders

Sole-trader-specific framing. SA302 + bank statements accepted. Tax content kept at signposting depth.

No filed accounts yet?

Self-employed under 12 months

Three-to-six months of bank statements, signed contracts, and recent invoices accepted in lieu.

Audience

Vehicle leasing for new businesses (any structure)

Sole trader, partnership, LLP or limited — the broader new-business companion to the new-ltd page.

Short-term & seasonal

Short-term van leasing for seasonal or peak work

Six-to-forty-eight-month leases for seasonal trade, peak demand, or contracted projects.

Audience

Vehicle leasing for established small businesses

Two-plus years trading. Multi-vehicle support and fleet-entry-point options.

End-of-contract

End-of-contract switch from PCH to Flexi Lease

For drivers coming off a PCH whose circumstances have changed. Switch without the gap.

An honest cost-and-flexibility comparison

Flexi Lease vs contract hire

Where Flexi costs more, where it doesn't, and which suits which buyer. Honest about both sides.

Hand back vs eventually own

Flexi Lease vs Rent to Buy

Same starting point, different ending. Cost-to-own, end-of-term options, eligibility comparison.

Decision support

Should I lease or buy a van? (sole trader)

Honest cost-of-ownership comparison, tax notes (with adviser disclaimer), and a 3-year worked example.

Decision support

Lease vs buy: van for a limited company

VAT, BIK, capital allowances and cashflow — an honest comparison for limited company directors.

Cost guide

Van leasing cost guide for self-employed

Initial-rental rules (1.5 vs 3-month), example monthly costs, and what changes the price most.

Decision support

Cheapest way to get a van for a new business

Honest cross-product comparison: Flexi Lease vs second-hand HP vs van subscription. What "cheapest" actually means.

Comparison

Rent to Buy vs PCP — which is right for me

Both end with you owning the vehicle. The structure, monthly cost, eligibility and exit options differ.

Explainer

How many miles do I really need on a van lease?

How to estimate annual mileage honestly, what excess-mileage charges actually cost at hand-back, and a worked example.

Explainer

Initial rental: 1.5 vs 3 months explained

Why initial rental is 1.5 or 3 months, who sits where, and a worked side-by-side example of the cashflow trade-off.

High-mileage owner-driver work

Van leasing for couriers

Mileage allowances built around real days. Self-employed evidence accepted. Courier-class insurance required.

Electricians, plumbers, builders

Van leasing for tradespeople

By-trade vehicle guidance. Load space, payload, security, conversion-policy questions answered honestly.

Use case

Car leasing for mobile professionals

Sales reps, mobile mechanics, district nurses — for drivers whose office is the car. High-mileage allowances.