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Lease Eligability

Most Popular Questions

I'm Just Setting Up My Design Business And I'm Looking To Lease A Vehicle, Most Likely Through Contract Hire. Do I Have To Have Been Trading For A Certain Period Of Time To Apply?

Yes we can still lease you a vehicle even if your company has recently formed, but this may mean that the company director will need to have a credit check as business accounts aren't available.

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Do You Have To Own A Business To Lease A Truck? I'm Thinking For A Pickup But For Personal Use.

Yes, Pickups are available on Personal contract hire. PCH is a perfect product for an individual who wants fixed cost motoring and is confident about the mileage and condition of the vehicle over a set period of time. It is an easy and cost effective way to fund vehicles and it enables you to control one of your biggest expenses. PCH is available with or without a maintenance package, which offers fixed cost motoring with noHidden extras. Personal contract hire is similar to Business contract hire. However, as an individual you will not be able to recover any VAT or take advantage of any tax allowances.

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Do You Provide Vehicles Outside Of The UK?

We are able to supply vehicles to businesses based in Northern Ireland, however we are not able to supply vehicles to the Republic of Ireland or anywhere else outside of the UK.

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All Questions

Hi I help run a company in the construction industry we have only just started and are looking to lease 2 or more 4wd trucks ,is the fact we are brand new company a problem?

Our expert Mike answered... Hello Ian, thanks for leaving a question on to our site. This would not be a problem if you're a brand new company. If you would like to discuss this in further detail, please feel free to contact one of our specialists on 01442 838193 where we will be happy to help you out. Kind regards, Mike Daly.

Hello, I would like to enquire about your process of finance lease and contract hire for a 2014 Ford Transit Custom. Could you provided me with some details concerning requirements for each payment type? Regards, Daniel

Our expert Gary answered... Hi Daniel. Thank you very much for your question. Both contract hire and Finance Lease are business leases so you must be a business user to qualify. Other than that we would just need to speak with you to take a few more details so we can qualify you correctly and make sure we can advise you on the best lease option for you. If you would like to talk to one of our account managers please contact us at your convenience. Kind regards, James Pocock, Senior Account Manager

Hi there, my brother has a small building company and I am due to start working forHim as a subcontractor around the 10th of August. He does not drive whereas I have held a license for 21 years. My question is, is he able to lease a van with me being the named/only driver? Many thanks.

Our expert Richard answered... Hi Ryan, thank you for getting in touch. If you are employed by your brother we may be able to put the vehicle in the company name for you to drive. We would need to ask a few more questions and would also require a letter for the finance company just to confirm exactly what is happening. Please get in touch with one of the sales team who will be able to explain exactly what is required on 01442 838 193. Thank you,Richard Wells Sales Manager

Hi - Do you deliver to Northern Ireland free of charge?

Our expert Gary answered... Hi Elliot, thanks for getting in touch. We can offer delivery to the port of your choice, however we are unable to deliver the vehicle over to Northern Ireland. Kind regards, Richard Wells, Account Manager

Hi, I am 18 and I am a qualified plumber. Does my age matter ?

Our expert Richard answered... Hi Sam, thank you for your question. The minimum age to lease a vehicle is 18. Each of the different funders that we use have different criteria that they use when assessing a customer for credit. For example, being a long term resident at your address, if you have had credit before and how you have paid this off in the past. Also, the size of deposit has an impact as the larger the deposit, the less risk there will be to the finance company. The best thing to do is to give us a call on 01442 838193 and speak to one of our specialists who can talk to you about all of the options available to you. Kind regards, Lucy Turner.

I have opened a new business and we are looking for 2 x Pickups. Do you offer leases to business without any years of trading?

Our expert Mike answered... Hello Andrew, thanks for your question. There are various options available for new start businesses. We need to know a few more details from you such as, how the business is set up, is there any previous trading such as a sole trader or partnership and a few more details will be required from there. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively, you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike Daly.

Do you have to be over 21 toHire a van? I am 20 years old with 3 years no claims bonus.

Our expert Richard answered... Hi Joe,Thank you for your question. Most of the finance companies that we use do not have an age limit. Providing that you have a full UK driving license you can lease a vehicle. I hope this help and if there is anything else we can help with then please let us know.Kind Regards Richard Wells Sales Manager

Hi, I'm a greengrocers and own my business, but I can't drive. Can I still lease a van?

Our expert Mike answered... Hi David, thanks very much for leaving your question on our website. Depending on the entity of your business, there are options available to you in your situation. To discuss these options in greater detail please let us know the best contact number for you and also when would be a convenient time for one of our specialists to contact you. Many thanks again for your question. Kind regards Mike Daly.

Is it just business people who can have vans, or can an everyday person have one? My partner works on tarmac. We just want a van for our use?

Our expert Mike answered... Hello, thanks very much for leaving your question on our website. If you are looking at a van for personal use, we can offer a product which is called a Personal contract hire. This can be taken over anywhere from 2 years as a minimum term up to 5 years as maximum term. At the end of the contract the vehicle is simply handed back the lease company. The monthly rentals will be calculated by the annual mileage you are doing a year. If you would like to discuss this option in further detail, please let us know the best contact for you and when would be a convenient time for one of our specialists to contact you. Many thanks again for leaving us your question. Kind regards, Mike Daly.

I have been self employed for about 4 years. I'm 22 and live with my parents. I have no credit card but also no debt. How do you measure credit score for someone who has never required credit?

Our expert Richard answered... Hi Richard, Thanks for posting your question. A lot of our customers believe that if they don't have very good credit they cannot be accepted for finance on a vehicle. However, the finance company use a scorecard system to mark the customer/business and there are a lot of key points they look at, which you may find help your case. For example, being a long term resident at your address, if you have had credit before and how you have paid this off in the past. Also, the size of deposit has an impact as the larger the deposit, the less risk there will be to the finance company. We cannot guarantee to get you credit, however, we have 7 of the best leasing companies available in the UK that all require different credit criteria. Kind regards, Lucy Turner.

Hi, I'm a limited company, looking to lease a truck. But it I'm not VAT registered and was wondering which kind of contract would suit me?

Our expert Richard answered... Hi Lee, thank you for leaving your question on the site. To enable us to find the best finance option for you and your business, we need to speak with you. Finding the correct finance option for you will depend on a number of things, such as what kind of condition the vehicle will be in at the end of the contract, what kind of mileage you will be covering, and what options you'd like at the end of the contract. Please call us up on 01442 838193 and we will be more than happy to help you. Alternatively you can have a look at the What Finance? page on the website which will explain the different contracts and the benefits of each. Thanks. Kind regards, Richard Wells

Is it possible to lease a van in Jersey?

Our expert Richard answered... Hi, thank you for getting in touch. Unfortunately the finance companies we use to not allow us to lease vehicles people based in Jersey.Thank you,Richard Wells Sales Manager

Do you provide personal lease for vans? I'm interested in a VW Kombi. Thanks, Rob.

Our expert Richard answered... Hello thank you for getting in touch. Yes we can, we offer a product called Personal contract hire which is a perfect product for an individual who wants fixed cost motoring and is confident about the mileage and condition of the vehicle over a set period of time. It is an easy and cost effective way to fund vehicles and it enables you to control one of your biggest expenses. PCH is available with or without a maintenance package, which offers fixed cost motoring with noHidden extras. Personal contract hire is similar to Business contract hire. However, as an individual you will not be able to recover any VAT or take advantage of any tax allowances.Unfortunately we don't offer Volkswagen Kombi's at the moment, but if you'd like to discuss this further, please get in touch with one of our specialists on 01442 838 195. Kind regards, Richard Wells.

Hi, is it possible for me to purchase/lease a vehicle from yourselves as a private individual with a good credit rating. We are thinking of eventually starting a small trading business in the future but not at the moment, would this still be possible? Thanks, Craig

Our expert Gary answered... Hi Craig, thanks for your question. You can apply for personal contract hire with us if that would be of interest to you. Unfortunately we are not able to offer lease purchase orHire purchase on a private individual basis. Kind regards, Richard Wells

I have a VAT registered limited company that has been trading for 10 months. What are the possibilities for leasing a pickup and can someone other than the company director provide any guarantee that may be required?

Our expert Gary answered... Hi, thanks for your question. It's entirely possible to lease a new pickup with us. It is worth considering, given your circumstances, that your company has very little tradingHistory recorded with credit agencies so far. The minimum criteria for our finance companies would be to supply the most recent three months of business bank statements; this is mainly to confirm the business is trading. If you are able to supply any further supporting information like profit and loss, and your latest balance sheets, this would also help. Occasionally, as a new established limited company, some of our funders would require only the director(s) to guarantee the lease. If the option is available they would also look at a corporate guarantee, which is typically where a larger company (often a parent company or another related company) will make the guarantee on behalf of a smaller company. If you had previously traded as a sole trader before changing trading entity then the finance companies would ask you to provide your previous tradingHistory. Feel free to contact us for more information.Kind regards, Rob Cox, Sales Controller

I'm looking at leasing a van as my main vehicle for getting to and from work in the week and transporting my DJ equipment around on the weekend. I'm not VAT registered as I don't make enough money from my DJ work. Could you please give me a quote for the cost of leasing this van with a personal lease ---- http://www.vanarama.co.uk/ford-van-leasing/transit-connect/1-5-tdci-100ps-van-9676.html ---- Also is there much room for customizing when leasing? My only real preference with this van is that I prefer the aesthetic of the black bumper panel over the all in one style shown in your range. An example of what I mean is on the Ford website - http://www.ford.co.uk/ConfigureyourVan/Transit-Connect/Van,L1%20%2CH1?features=CCA_VT:CCD426:CCD101- Thank you for your help.

Our expert Richard answered... Hello Jamie, thanks for your question. Our prices depend on many different factors so it's always tricky to give a price over email without asking a few questions. The price can change depending on which contract you chose, the duration of the contract, the model, initial rental, accessories, and mileage. If you would like to discuss this in further detail, please feel free to contact one of our specialists direct on 01442 838193 who will be able to find the very best quote for your circumstances. Kind regards, Richard Wells.

I am considering PCH as my employer pays a sum to cover the cost of lease. However I have been building my credit score over the last 12 months which is currently 577 with noddle and 320 with clear score. Would this typically be acceptable? I am in full time employment and my employer offers up to £400 per month as part of a HMRC agreed scheme. Thanks

Our expert Mike answered... Hi Phil, thanks for getting in touch. We are associated with a number of different lenders and they all have different underwriting criteria. The best thing for us to do is to speak with you direct to obtain some further information from you and that way we can then look at what will be the best option for you in moving forward. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193 so we can discuss the options in greater detail. Alternatively you can drop me an email with your contact details and I'll make sure one of my team give you a call. Kind regards, Mike.You might like to read our article: Van Leasing with Bad Credit

How long do you have to have been trading for to lease a vehicle?

Our expert Rob answered... Hi Sara, it would depend on your trading entity to determine the lease companies decision. If you are a limited company our funders would prefer you to be trading for a minimum of 3 months. If this is the case it's very likely they will ask you to provide the latest 3 months consecutive bank statements for proof of trading and the directors might also be required to guarantee the lease on the vehicle. Occasionally the lease company may ask for an increased deposit to help support your application as the less you are borrowing the less risk you are to the finance company. If you are a sole trader/ Partnerships they will look at the individuals credit reports not how long you have been trading. Again to help support the application they might ask for further information for example larger deposit, bank statements or your profit and loss/ balance sheet if this is available. To discuss this further please contact us on 01442 838195. Kind regards, Rob Cox.

I'm a builder and not VAT registered. What do you think would be the best deal for me? Was looking at the personal contract hire over 2 years, but I'm open to suggestions.

Our expert Richard answered... Hi Martyn, thank you for leaving your question on the site. We can definitely offer a personal contract hire, however it may be a better idea to lease it through yourself as a sole trader. Even though you are not VAT registered, you will still be able to offset the payments against your taxable profits, which you will be unable to do on a personal agreement. Please double check with your accountant that this is something you can do, but I believe this will be a better option than a personal lease.  It will also mean that if for whatever reason you do turn VAT registered, you will be able to claim up to 100% of the VAT back, where as if it is in a personal lease you will not be able to claim the VAT back. If you would like to discuss these options in further detail, please let us know what the best contact number is for you and also when would be a convenient time for one of our specialists to contact you. Thank you. Kind regards, Richard Wells.

Hello, I have just completed my 1st years limited company tax return. Do you need at least 2 years before you can lease orHire etc, with you? Many thanks in advance.

Our expert Mike answered... Hi Russ, thanks for getting in touch. We are associated with a number of lenders which all have different underwriting criteria. As your business has been trading for 12 months, subject to the lender we go to we may require some additional information to help support the application. If you would like to discuss this in further detail, or look at any alternative options for you, please feel free to contact one of our specialists direct on 01442 838195. Kind regards, Mike Daly.

Do you lease to domestic users?

Our expert Richard answered... Hello, thank you for your question. We can offer 2 different leasing options for personal. I have below written a brief description of both the terms we offer: Personal contract hire (PCH) is a perfect product for an individual who wants fixed cost motoring and is confident about the mileage and condition of the vehicle over a set period of time. It is an easy and cost effective way to fund vehicles and it enables you to control one of your biggest expenses. PCH is available with or without a maintenance package, which offers fixed cost motoring with noHidden extras. Personal contract hire is similar to Business contract hire. However, as an individual you will not be able to recover any VAT or take advantage of any tax allowances. Personal Contract Purchase (PCP) is fast becoming one of the most popular ways of financing the new car of your choice, simply due to its flexibility. You choose the car, the deposit, how long you want the contract to run for, and the mileage you intend to do. In return you get fixed cost motoring for the term of the contract. At the end of the contract you have a choice to either buy the car outright for an agreed lump sum (the minimum guaranteed future value), part exchange the car and use the equity you have built up as the deposit on another new car, or hand the vehicle back to the lender and walk away without owing anybody anything (subject to the mileage and condition of the vehicle at this time). If you'd like to discuss this further please call on 01442 838 195. Alternatively, please let us know the best contact number to contact you on and I will arrange for one of our specialists to call you. Kind regards, Richard Wells.

Can I lease a van with points on my licence?

Our expert Richard answered... Hello Phil, thank you for getting in touch. Yes, you can still lease a vehicle with points on your licence. All they ask is that you carry a valid full UK Driving License. Kind regards, Richard Wells.

Hi, do you lease vans to the Isle of Man?

Our expert Mike answered... Hi Andy, thanks for getting in touch. At present we are unable to supply vehicles to the Isle Of Man due to tax purposes. If you would like to discuss this in further detail, or look at any alternative options for you, please feel free to contact one of our specialists direct on 01442 838195. Kind regards, Mike Daly.

Does a business have to have been in operation for 2 years to lease from you?

Our expert Mike answered... Hi Stuart, thanks for leaving your question. No, a business does not have to be in operation for 2 years to be considered to lease a vehicle through us. As the UK's number 1 van supplier, we have a range of funders with different underwriting criteria. Kind regards, Mike Daly.

Just wondering how long our company needs to be trading for before we will be considered for a lease van? Thanks Andy

Our expert Richard answered... Hi Andy, Thanks for posting your question. It would depend on your trading entity to determine the lease companies decision. If you are a limited company our funders would prefer you to be trading for a minimum of 3 months. If this is the case it's very likely they will ask you to provide the latest 3 months consecutive bank statements for proof of trading and the directors might also be required to guarantee the lease on the vehicle. Occasionally, the lease company may ask for an increased deposit to help support your application as the less you are borrowing the less risk you are to the finance company. If you are a sole trader/ Partnerships they will look at each individuals credit reports instead of the length of time you have been trading. To help support the application they might ask for further information for example a larger deposit, bank statements or your profit and loss/ balance sheet if this is available. Kind regards, Richard Wells.

Do you have to own a business in order to lease from Vanarama?

Our expert Mike answered... Hi Lee, thanks for getting in touch. We are able to offer a lease for business users as well as private individuals. If you would like to discuss this in further detail, please feel free to contact any of our specialist direct on 01442 838193. Kind regards, Mike Daly.

Hi, we run a small dog rescue and in desperate need for a van. We are looking at the easiest and cheapest way of doing so. We were thinking about the lease option, but as we are a dog rescue we do not have a regular income, however we both work full time and have evidence of monthly incomes. The dog rescue is a not for profit organisation, but is not a registered charity at this stage. Thanks Chris.

Our expert Rob answered... Hi Chris, based on the information you have given me I would suggest that a Personal contract hire (PCH) would be the best option for you, as you are in full time employment.  I would suggest speaking to your accountant to see if there are any ways to offset any of the payments or mileage against  your organisation? PCH is calculated on the vehicle, the term of the agreement (this can be anything from 2 years to 5 years) and the mileage the vehicle will cover over the term of the agreement. With Personal contract hire the vehicle is handed back to the lease company at the end of the lease. I can arrange a member of our team to contact you to discuss your options further, or please call us on 01442 838 195. Kind regards, Rob Cox

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