Help Me Choose

Personal lEASING or Business Leasing

What is the difference between personal and business leasing?

Company Car or Car Allowance or Employment allowance?

When it comes to leasing a new car or van, you'll typically have two options to choose from; a personal lease or a business lease. If you're a private individual who's looking to lease a vehicle solely for personal use then the decision is simply, a personal lease is for you. However, if you're involved in a business (limited company, partnership, sole trader or LLP) and you plan to use the vehicle for business activities, then you may be eligible for a business lease, some employees may have the choice between a company car or car allowance or employment allowance.

Pros of business contract hire (CH)

Firstly, a business lease (business contract hire) is essentially where your company leases a car or van. This may be an ideal option for people who intend to use their vehicle for business and personal use.

Business car leasing is used by VAT registered companies, limited companies, partnerships and sole traders. A business contract hire agreement can be used for both vehicles that are to be used solely for business and company cars that will be used by employees out of work hours too.

Below we have outlined just a handful of benefits to leasing a business car. Please read our complete business car leasing guide for more info.

  • Tax Benefits - if your company is VAT registered you can claim a portion of the VAT back. Typically, you may be able to claim 50% VAT back on the monthly rental payments and 100% VAT back on the maintenance payment.
  • No Expensive Capital Outlay - Leasing business vehicles enable you to maintain working capital for your business. 
  • Flexible Repayment - Invoices can also be fixed dependent on your cash flow requirements for quarterly, pause periods and advance rentals.
  • Pay less tax – With business contract hire agreements, the cost of the monthly payments can be offset against taxable profits to reduce the amount of tax the business pays.

Pros of personal contract hire (PCH)

Personal leasing (personal contract hire) is a type of vehicle leasing for individuals who wish to lease a vehicle solely for personal use. 

A PCH agreement allows you to effectively ‘borrow’ a new car from a leasing company and pay a reliable, fixed monthly payment for the service. You may also be able to take out a servicing and maintenance package, allowing you to pay a little more each month to cover the costs of servicing, repairs and breakdown costs. This will ensure that your monthly vehicle expenses are as consistent as possible, providing you with better financial security.

At the end of the agreement the car is returned to the leasing company and you have the option to take out a new personal contract hire agreement on either the same car or a different car.

Below we have outlined just a handful of benefits to leasing a personal car. Please read our complete personal car leasing guide for more info.

  • Higher Value Vehicle - Leasing allows you to drive a higher value car which you may not be able to afford if you were to buy the car.
  • New Car Every Few Years - depending on the length of your lease agreement, you get to drive a new car every few years.
  • Fixed Monthly Budget - your monthly payments are fixed throughout your contract and you also don't have to worry about the depreciation of the vehicle.
  • Less Hassle – At the end of your lease, you can simply hand the car back, avoiding the stress of selling the vehicle and the expense of depreciation.

Our Latest Leasing Offers

Here's just a handful of our latest leasing deals.

Hot Deal!
In Stock
Vauxhall Crossland X SUV 1.2 83ps Griffin Start+Stop
Vauxhall Crossland X SUV

1.2 83ps Griffin Start+Stop

From

£132.49 per mth exc. VAT

Initial rental: £1,192.41 exc. VAT

Met. Paint Included
Parking Sensors Cruise Control
Special Offer
In Stock
Suzuki Swift Hatchback 5 Door Hatch 1.2 Dualjet Hybrid Sz-L
Suzuki Swift Hatchback

5 Door Hatch 1.2 Dualjet Hybrid Sz-L

From

£135.71 per mth exc. VAT

Initial rental: £1,221.39 exc. VAT

Reversing Camera Parking Sensors
Hot Deal!
In Stock
Vauxhall Crossland X SUV 1.2 83ps SRi Nav Start+Stop
Vauxhall Crossland X SUV

1.2 83ps SRi Nav Start+Stop

From

£141.95 per mth exc. VAT

Initial rental: £1,277.55 exc. VAT

Met. Paint Included
Sat Nav Cruise Control
Special Offer
In Stock
Nissan Qashqai Hatchback 1.3 Dig-T 140 Acenta Premium
Nissan Qashqai Hatchback

1.3 Dig-T 140 Acenta Premium

From

£169.93 per mth exc. VAT

Initial rental: £1,529.37 exc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
SEAT Leon ST NF E ate 1.5 TSI Evo 130 FR
SEAT Leon ST

NF E ate 1.5 TSI Evo 130 FR

From

£170.35 per mth exc. VAT

Initial rental: £1,533.15 exc. VAT

Met. Paint Included
Sat Nav Cruise Control
Hot Deal!
In Stock
SEAT Leon Estate NF 1.5 TSI Evo 130 FR Sport
SEAT Leon Estate

NF 1.5 TSI Evo 130 FR Sport

From

£179.81 per mth exc. VAT

Initial rental: £1,618.29 exc. VAT

Met. Paint Included
Free Delivery Full Manufacturer Warranty
Special Offer
Nissan Qashqai Hatchback 1.3 Dig-T 160 Acenta Premium DCT
Nissan Qashqai Hatchback

1.3 Dig-T 160 Acenta Premium DCT

From

£186.96 per mth exc. VAT

Initial rental: £1,682.64 exc. VAT

Free Delivery Full Manufacturer Warranty
Special Offer
In Stock
Nissan Juke Hatchback Hatch 1.0 Dig-T 114ps N-Connecta
Nissan Juke Hatchback

Hatch 1.0 Dig-T 114ps N-Connecta

From

£195.48 per mth exc. VAT

Initial rental: £1,759.32 exc. VAT

Met. Paint Included
Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
MG Motor UK ZS Hatchback 5 Door Hatch Exclusive EV Auto
MG Motor UK ZS Hatchback

5 Door Hatch Exclusive EV Auto

From

£198.74 per mth exc. VAT

Initial rental: £1,788.66 exc. VAT

Met. Paint Included
Reversing Camera Parking Sensors
Special Offer
In Stock
Volkswagen Golf Hatchback 8 5 Door Hatch 1.5 eTSI mHEV 7speed Style DSG
Volkswagen Golf Hatchback

8 5 Door Hatch 1.5 eTSI mHEV 7speed Style DSG

From

£208.29 per mth exc. VAT

Initial rental: £1,874.61 exc. VAT

Free Delivery Full Manufacturer Warranty
Special Offer
In Stock
Volkswagen Tiguan SUV 1.5 TSI 150 Life
Volkswagen Tiguan SUV

1.5 TSI 150 Life

From

£208.29 per mth exc. VAT

Initial rental: £1,874.61 exc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Nissan X-Trail SUV 1.7dCi N-Tec 7Seat
Nissan X-Trail SUV

1.7dCi N-Tec 7Seat

From

£222.41 per mth exc. VAT

Initial rental: £2,001.69 exc. VAT

Met. Paint Included
Parking Sensors Sat Nav
Hot Deal!
In Stock
Volkswagen Golf Hatchback 8 5 Door Hatch 2.0 TDI 200 7speed Gtd DSG
Volkswagen Golf Hatchback

8 5 Door Hatch 2.0 TDI 200 7speed Gtd DSG

From

£233.16 per mth exc. VAT

Initial rental: £2,098.44 exc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Volkswagen ID.3 Hatchback 5 Door 204PS Life Pro Performance Auto
Volkswagen ID.3 Hatchback

5 Door 204PS Life Pro Performance Auto

From

£242.80 per mth exc. VAT

Initial rental: £2,185.20 exc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Volvo XC40 SUV 2.0 B4 197hp Momentum Auto FWD
Volvo XC40 SUV

2.0 B4 197hp Momentum Auto FWD

From

£249.43 per mth exc. VAT

Initial rental: £2,244.87 exc. VAT

Met. Paint Included
Parking Sensors Sat Nav
Hot Deal!
In Stock
Volkswagen Tiguan SUV 2.0 TDI 150 R-Line DSG7 4MOTION
Volkswagen Tiguan SUV

2.0 TDI 150 R-Line DSG7 4MOTION

From

£261.34 per mth exc. VAT

Initial rental: £2,352.06 exc. VAT

Limited Stock
Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Vauxhall Crossland X SUV 1.2 83ps Griffin Start+Stop
Vauxhall Crossland X SUV

1.2 83ps Griffin Start+Stop

From

£158.99 per mth inc. VAT

Initial rental: £1,430.89 inc. VAT

Met. Paint Included
Parking Sensors Cruise Control
Special Offer
In Stock
Suzuki Swift Hatchback 5 Door Hatch 1.2 Dualjet Hybrid Sz-L
Suzuki Swift Hatchback

5 Door Hatch 1.2 Dualjet Hybrid Sz-L

From

£162.85 per mth inc. VAT

Initial rental: £1,465.67 inc. VAT

Reversing Camera Parking Sensors
Hot Deal!
In Stock
Vauxhall Crossland X SUV 1.2 83ps SRi Nav Start+Stop
Vauxhall Crossland X SUV

1.2 83ps SRi Nav Start+Stop

From

£170.34 per mth inc. VAT

Initial rental: £1,533.06 inc. VAT

Met. Paint Included
Sat Nav Cruise Control
Special Offer
In Stock
Nissan Qashqai Hatchback 1.3 Dig-T 140 Acenta Premium
Nissan Qashqai Hatchback

1.3 Dig-T 140 Acenta Premium

From

£203.92 per mth inc. VAT

Initial rental: £1,835.24 inc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
SEAT Leon ST NF E ate 1.5 TSI Evo 130 FR
SEAT Leon ST

NF E ate 1.5 TSI Evo 130 FR

From

£204.42 per mth inc. VAT

Initial rental: £1,839.78 inc. VAT

Met. Paint Included
Sat Nav Cruise Control
Hot Deal!
In Stock
SEAT Leon Estate NF 1.5 TSI Evo 130 FR Sport
SEAT Leon Estate

NF 1.5 TSI Evo 130 FR Sport

From

£215.77 per mth inc. VAT

Initial rental: £1,941.95 inc. VAT

Met. Paint Included
Free Delivery Full Manufacturer Warranty
Special Offer
Nissan Qashqai Hatchback 1.3 Dig-T 160 Acenta Premium DCT
Nissan Qashqai Hatchback

1.3 Dig-T 160 Acenta Premium DCT

From

£224.35 per mth inc. VAT

Initial rental: £2,019.17 inc. VAT

Free Delivery Full Manufacturer Warranty
Special Offer
In Stock
Nissan Juke Hatchback Hatch 1.0 Dig-T 114ps N-Connecta
Nissan Juke Hatchback

Hatch 1.0 Dig-T 114ps N-Connecta

From

£234.58 per mth inc. VAT

Initial rental: £2,111.18 inc. VAT

Met. Paint Included
Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
MG Motor UK ZS Hatchback 5 Door Hatch Exclusive EV Auto
MG Motor UK ZS Hatchback

5 Door Hatch Exclusive EV Auto

From

£238.49 per mth inc. VAT

Initial rental: £2,146.39 inc. VAT

Met. Paint Included
Reversing Camera Parking Sensors
Special Offer
In Stock
Volkswagen Golf Hatchback 8 5 Door Hatch 1.5 eTSI mHEV 7speed Style DSG
Volkswagen Golf Hatchback

8 5 Door Hatch 1.5 eTSI mHEV 7speed Style DSG

From

£249.95 per mth inc. VAT

Initial rental: £2,249.53 inc. VAT

Free Delivery Full Manufacturer Warranty
Special Offer
In Stock
Volkswagen Tiguan SUV 1.5 TSI 150 Life
Volkswagen Tiguan SUV

1.5 TSI 150 Life

From

£249.95 per mth inc. VAT

Initial rental: £2,249.53 inc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Nissan X-Trail SUV 1.7dCi N-Tec 7Seat
Nissan X-Trail SUV

1.7dCi N-Tec 7Seat

From

£266.89 per mth inc. VAT

Initial rental: £2,402.03 inc. VAT

Met. Paint Included
Parking Sensors Sat Nav
Hot Deal!
In Stock
Volkswagen Golf Hatchback 8 5 Door Hatch 2.0 TDI 200 7speed Gtd DSG
Volkswagen Golf Hatchback

8 5 Door Hatch 2.0 TDI 200 7speed Gtd DSG

From

£279.79 per mth inc. VAT

Initial rental: £2,518.13 inc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Volkswagen ID.3 Hatchback 5 Door 204PS Life Pro Performance Auto
Volkswagen ID.3 Hatchback

5 Door 204PS Life Pro Performance Auto

From

£291.36 per mth inc. VAT

Initial rental: £2,622.24 inc. VAT

Free Delivery Full Manufacturer Warranty
Hot Deal!
In Stock
Volvo XC40 SUV 2.0 B4 197hp Momentum Auto FWD
Volvo XC40 SUV

2.0 B4 197hp Momentum Auto FWD

From

£299.32 per mth inc. VAT

Initial rental: £2,693.84 inc. VAT

Met. Paint Included
Parking Sensors Sat Nav
Hot Deal!
In Stock
Volkswagen Tiguan SUV 2.0 TDI 150 R-Line DSG7 4MOTION
Volkswagen Tiguan SUV

2.0 TDI 150 R-Line DSG7 4MOTION

From

£313.61 per mth inc. VAT

Initial rental: £2,822.47 inc. VAT

Limited Stock
Free Delivery Full Manufacturer Warranty

Personal contract hire & business contract hire with LetsTalk Leasing   

Here at LetsTalk Leasing, we offer competitive rates on both personal contract hire and business contract hire agreements for cars and vans, including electric and hybrid models.

If you’re not sure which option is most suitable for your circumstances, then our team of experts will be happy to listen to your requirements and help you come to a cost-effective decision.

For more information about our services, get in touch with our team of friendly advisors by giving us a call on 0330 056 3331 or emailing contact@letstalkleasing.co.uk.

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