Help Me Choose

Your Guide To Personal Car & Van LeaSE

Leasing is the fastest growing way to get your next new personal car lease or van lease and here are the reasons why:

Purchasing Power

Access to significant vehicle discounts due to our select finance companies acquiring over 100,000 vehicles every year which enables you to consider driving a higher value vehicle.

By taking into account the monthly cost of a vehicle via a lease as apposed to the large cash outlay needed to purchase a new vehicle outright, motoring is becoming a lot more affordable.

Hassle Free

You can order your next vehicle from the comfort of your own home without the need for car showroom visits using our Simple Search & Compare functionality and find your perfect match from the thousands of vehicles on offer. 

You can tailor your contract with our flexible distance and duration options and add a comprehensive maintenance, servicing and tyre package for a fixed monthly fee.

No need to worry about selling the vehicle at the end of the contract or if used vehicle values fall, simply hand it back!

With lease rentals taking into account the resale value of the vehicle at the end of the contract and with higher value more prestige vehicles retaining their value better the cost of leasing may be less than you think.

Personal vehicle leasing offers a convenient hassle free way to set a monthly cost for your motoring without the need to finance the full value of a new vehicle. So please take a look at some of our great offers and simple guide to see if personal car leasing is right for you.

For more information see our Personal Lease FAQ's below.

Our Latest Personal Car Leasing Deals

Dacia Sandero Hatchback 5 Door Hatch 1.0 Sce 75 Access
Dacia Sandero Hatchback

5 Door Hatch 1.0 Sce 75 Access

From

£107.04 per mth exc. VAT

Initial rental: £963.36 exc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Sandero Hatchback 5 Door Hatch 1.0 Sce 75 Essential
Dacia Sandero Hatchback

5 Door Hatch 1.0 Sce 75 Essential

From

£108.85 per mth exc. VAT

Initial rental: £979.65 exc. VAT

DAB Radio Bluetooth
Mitsubishi Mirage Hatchback 5 Door Hatch 1.2 Verve
Mitsubishi Mirage Hatchback

5 Door Hatch 1.2 Verve

From

£116.56 per mth exc. VAT

Initial rental: £1,049.04 exc. VAT

Bluetooth Air Con
Toyota Aygo Hatchback 3 Door 1.0 VVT-i X
Toyota Aygo Hatchback

3 Door 1.0 VVT-i X

From

£118.15 per mth exc. VAT

Initial rental: £1,063.35 exc. VAT

Free Delivery Full Manufacturer Warranty
Toyota Aygo Hatchback 5 Door 1.0 VVT-i X
Toyota Aygo Hatchback

5 Door 1.0 VVT-i X

From

£119.92 per mth exc. VAT

Initial rental: £1,079.28 exc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Sandero Hatchback 5 Door Hatch 0.9 TCE 90 Essential
Dacia Sandero Hatchback

5 Door Hatch 0.9 TCE 90 Essential

From

£120.57 per mth exc. VAT

Initial rental: £1,085.13 exc. VAT

DAB Radio Bluetooth
Fiat 500 Hatchback 3 Door Hatch 1.2 69hp Pop
Fiat 500 Hatchback

3 Door Hatch 1.2 69hp Pop

From

£121.29 per mth exc. VAT

Initial rental: £1,091.61 exc. VAT

Free Delivery Full Manufacturer Warranty
Fiat 500 Hatchback 3 Door Hatch 1.2 69hp Pop Dualogic
Fiat 500 Hatchback

3 Door Hatch 1.2 69hp Pop Dualogic

From

£122.03 per mth exc. VAT

Initial rental: £1,098.27 exc. VAT

Free Delivery Full Manufacturer Warranty
Fiat 500 Hatchback 3 Door Hatch mHEV 1.0 70hp Pop
Fiat 500 Hatchback

3 Door Hatch mHEV 1.0 70hp Pop

From

£122.55 per mth exc. VAT

Initial rental: £1,102.95 exc. VAT

DAB Radio Bluetooth
Dacia Logan MCV Estate 1.0 SCe 75 Access
Dacia Logan MCV Estate

1.0 SCe 75 Access

From

£125.43 per mth exc. VAT

Initial rental: £1,128.87 exc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Sandero Hatchback 5 Door Hatch 1.0 Sce 75 Access
Dacia Sandero Hatchback

5 Door Hatch 1.0 Sce 75 Access

From

£128.45 per mth inc. VAT

Initial rental: £1,156.03 inc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Sandero Hatchback 5 Door Hatch 1.0 Sce 75 Essential
Dacia Sandero Hatchback

5 Door Hatch 1.0 Sce 75 Essential

From

£130.62 per mth inc. VAT

Initial rental: £1,175.58 inc. VAT

DAB Radio Bluetooth
Mitsubishi Mirage Hatchback 5 Door Hatch 1.2 Verve
Mitsubishi Mirage Hatchback

5 Door Hatch 1.2 Verve

From

£139.87 per mth inc. VAT

Initial rental: £1,258.85 inc. VAT

Bluetooth Air Con
Toyota Aygo Hatchback 3 Door 1.0 VVT-i X
Toyota Aygo Hatchback

3 Door 1.0 VVT-i X

From

£141.78 per mth inc. VAT

Initial rental: £1,276.02 inc. VAT

Free Delivery Full Manufacturer Warranty
Toyota Aygo Hatchback 5 Door 1.0 VVT-i X
Toyota Aygo Hatchback

5 Door 1.0 VVT-i X

From

£143.90 per mth inc. VAT

Initial rental: £1,295.14 inc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Sandero Hatchback 5 Door Hatch 0.9 TCE 90 Essential
Dacia Sandero Hatchback

5 Door Hatch 0.9 TCE 90 Essential

From

£144.68 per mth inc. VAT

Initial rental: £1,302.16 inc. VAT

DAB Radio Bluetooth
Fiat 500 Hatchback 3 Door Hatch 1.2 69hp Pop
Fiat 500 Hatchback

3 Door Hatch 1.2 69hp Pop

From

£145.55 per mth inc. VAT

Initial rental: £1,309.93 inc. VAT

Free Delivery Full Manufacturer Warranty
Dacia Logan MCV Estate 1.0 SCe 75 Access
Dacia Logan MCV Estate

1.0 SCe 75 Access

From

£150.52 per mth inc. VAT

Initial rental: £1,354.64 inc. VAT

Free Delivery Full Manufacturer Warranty
Skoda Fabia Hatchback 5 Door Hatch 1.0 MPI 60ps Colour Edition
Skoda Fabia Hatchback

5 Door Hatch 1.0 MPI 60ps Colour Edition

From

£151.61 per mth inc. VAT

Initial rental: £1,364.47 inc. VAT

Parking Sensors Cruise Control
Fiat 500 Hatchback 3 Door Hatch mHEV 1.0 70hp Pop
Fiat 500 Hatchback

3 Door Hatch mHEV 1.0 70hp Pop

From

£152.69 per mth inc. VAT

Initial rental: £1,374.19 inc. VAT

DAB Radio Bluetooth

What is Personal Leasing

Personal leasing is a quick & easy way to get the vehicle you want without any headache of buying or selling.

Initially you need to set a mileage and term, think about what is best for you and how this may change over time. The Distance is the total mileage you will do over the period of the agreement in years. Leases will typically cater for up to 5 years and for mileages up to 150,000 in total. The important difference in a lease is that you do not own the car, the finance company does. In this case you simply hand the car back at the end and walk away free to do what you please or lease another new vehicle.

Purchasing Benefits Of Personal Leasing

  • Enables you to consider driving higher value prestige cars, due to the initial purchase discounts obtained and the higher anticipated resales value which will reduce the lease rate you pay.
  • Access to significant vehicle discounts due to our finance companies acquiring over 100,000 vehicles every year.
  • Enables you to drive a vehicle that you may not have been able to buy outright.
  • Free nationwide delivery and Road Tax (vehicle excise duty) is included for the duration of the agreement.

Cash Flow Benefits Of Personal Leasing

  • No need to pay out the full value of a new vehicle
  • Low initial rental, but you could make a larger initial payment to lower the subsequent payments.
  • Fixed budget for every month, you can also include maintenance as well.
  • No depreciation risk, your payments are fixed at the start.

Flexible Benefits of Personal Leasing

  • Flexible distance and duration to cater for your specific needs.
  • Just hand the vehicle back at the end. No hidden charges, watch out for damage though as it must be returned in line with industry standards see BVRLA guide.
  • Vehicle is not subject to company car tax.
  • A comprehensive maintenance, servicing and tyre package can be included in your agreement for a fixed monthly fee at point of order.

FAQs About Personal Leasing

What is the difference between business and personal leasing?

If you are applying for finance you can either apply as a limited company, partnership or limited liability partnership, you may be eligible for a business car lease. Using business contract hire offers a number of specific tax benefits and access to a range of business related services such as policy management, outsourcing and driver training. All pricing for business leases exclude VAT. 

Alternatively, personal car leasing is where you as an individual take a personal lease for a specific vehicle for a set period of time and mileage.

Which name is on the hire agreement?

As a personal car lease it will be your name on the Personal Hire Agreement and it will be your credit application that will be checked by the finance company, based on the address information you supply on the application. 

How flexible is leasing?

You set a distance and duration at the start of the lease but you may want to change this as the agreement progresses. Each specific finance company may have different rules on this, but we can advise you as part of the credit application process. 

What documents are needed to lease a car for personal use?

Leasing a car is a two-step process. This requires you to secure finance for your vehicle and provide evidence that you are the individual in question before a car is released into your care.

For personal leasing, you will be required to provide:

  • Personal information
  • Address for the past five years
  • Recent employment history
  • Bank details
  • Evidence of your monthly expenditure 

Once this has been approved, you are required to provide:

  • Copy of photocard driving license
  • Proof of address - a utility bill or council tax, dated within the last 90 days
  • Proof of insurance cover

Is leasing same as personal contract hire (PCH)?

Yes, a personal contract hire (PCH) or leasing deal similar to a long term car rental and at the end of the lease contract you have two options:

  • Return the car to the dealership
  • Extend the contract to a total of 5 years

Is road tax included in a personal car lease?

Yes. Road tax is included alongside free nationwide delivery. When you lease a car from LetsTalk Leasing, we will tax the vehicle for you including the cost of the vehicle excise duty (Road tax) in your monthly payments.

What happens at the end of a personal lease agreement?

Once your lease period ends, the car will need to be returned for inspection – even if you have chosen to lease it again. This requires you to meet the return conditions in full. If the vehicle has sustained damage, that will be addressed as per your leasing agreement. You can also arrange for a replacement car to be provided if you wish to continue your agreement or negotiate a new one with a member of our sales team.

Are there any restrictions to lease a vehicle?

As long as you have a full UK driving licence, and can afford the monthly rental fees and have a good to excellent credit score, you can apply to lease a vehicle from the age of 18. There are certain restrictions to leasing a vehicle such as mileage limits and you are expected to return the car in good condition. If you want to take your car abroad, you need to make the finance company aware, and from time to time, there could be an additional fee. Please contact one of our Leasing Consultants for further information regarding this.

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