Does leasing a car require credit check?

Does leasing a car require credit check?

Does leasing a car require credit check?
13 May 2022

When you apply to a lender for car financing (and car leasing is a form of vehicle financing too! ), they will want assurance that you can make the payments. 

During the application process for leasing a car, your leasing company will contact one of the UK's three main credit reference agencies: Equifax, Experian, or TransUnion (formerly Callcredit).

Credit reference agencies keep a record of your financial history. It's likely that your credit rating will have been adversely affected if you've had financial issues in the past, such as defaulting on loans or credit cards, being declined by other lenders, declaring bankruptcy, entering into an IVA or having a County Court judgement.

It is important to have a good or excellent credit score when applying for any type of credit. You may have a challenging time finding a lender willing to work with you if your credit score falls below this. They will also take into account other debts you may have and your ability to make regular payments.

Click the button below to find out more.

ELIGIBILITY CRITERIA

Please feel free to contact us if you have further questions about your car leasing eligibility.

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Am I Eligible?

We work in partnership with many of the UK’s leading van leasing, car leasing, contract hire and finance leasing funding companies in order to provide the most competitive rates and offer you the best leasing deals possible. Our guide to eligibility will help you understand the various requirements for establishing a vehicle finance agreement.

Our Vehicle Ordering Process

Achieving the best van leasing deals and the best car leasing deals has become a key consideration in the work we do, so you can get the best leasing deals. Our process is built to ensure we accurately and efficiently identify your needs and requirements, achieve the best finance deal for you, apply for finance on your behalf and provide you with the quickest delivery possible.

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At Commercial Vehicle Contracts, we ensure that every aspect of the car leasing process and van leasing process is seamlessly undertaken with full management on your behalf, meaning you can sit back and relax with the peace of mind that your chosen vehicle will arrive at your desired address matching your required needs.

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