Questions, answered

No credit check. We assess affordability, not your credit score.

We own our vehicles and lease them to you directly. There is no lender to satisfy, so there is nothing for a credit score to unlock — we only need to know the monthly payment is affordable for you.

Most leasing companies are introducing you to a finance provider, which is why they have to score you. We are not: the vehicle is ours, the agreement is with us, and no third party is involved at any stage.

Typically 7 to 10 working days from the paperwork being agreed. Because we hold the vehicle rather than ordering it, there is no build slot to wait for and no delivery date that moves.

Nationwide, to your home or your business premises.

Three things: your driving licence (both sides), proof of address from the last 3 months, and either a recent payslip or your last full month’s bank statement — whichever is easier, one is enough. Plus bank details for the direct debit. We use these to check the monthly payment is affordable for you. You upload these through My Rapid once your order is underway.

Yes. Personal pricing is shown inc VAT, so the monthly figure on the page is the figure that leaves your account. The upfront payment is shown separately and stated on every vehicle.

Yes, and plenty of directors do. Leasing personally keeps the agreement in your name and out of the company’s books. Which suits you better depends on your circumstances — your accountant is the right person to ask.

No credit check. We assess affordability, not your credit score.

We own our vehicles and lease them to you directly. There is no lender to satisfy, so there is nothing for a credit score to unlock — we only need to know the monthly payment is affordable for you.

You must be 18 or over and a UK resident, and we will tell you where you stand before you commit to anything.

Servicing and maintenance are not included, and you arrange your own insurance. Road tax and roadside assistance are. Budget for all four when comparing our monthly against products that bundle them in.

You hand the vehicle back, subject to condition and the agreed mileage. On our flexible agreements the upfront payment is returned. Most of our customers take another vehicle — that is the point of the relationship.

Often partly, sometimes fully — it depends on whether there is any private use, what the vehicle is, and your VAT position. VAT recovery on cars is more restricted than on commercial vehicles. We will give you everything you need in writing, but we are not tax advisers: check with your accountant before assuming a figure.

Lease rentals are usually treated as an operating expense rather than an asset on the balance sheet. How that lands for your company depends on its circumstances and accounting treatment — again, your accountant.

Yes — limited companies, directors, sole traders, partnerships and fleets. The paperwork differs, the product does not.

That is what flexible leasing is for. Six months minimum, then month to month with one month’s notice, and the upfront payment comes back when the vehicle does.

Yes. Tell us the shape of it — how many, what type, and over what period — and we will come back with a plan rather than twenty separate quotes.

The upfront payment is refundable when the vehicle is returned. This is unusual in vehicle leasing, where an initial payment is normally the first rental and is gone.

Refund is subject to: the vehicle being returned in good condition allowing for fair wear and tear; mileage being within the agreed allowance, or excess mileage charges being settled; all monthly payments being up to date; and any damage charges being settled. Refunds are processed within 5 working days of the vehicle being collected and inspected.

Yes — six months. After that the agreement runs month to month for as long as you need the vehicle.

One month. So the shortest possible commitment is six months plus a month’s notice.

10,000 miles a year, in line with a standard lease. If you cover more than that, tell us at the quote stage and we will price it in rather than leave you with a charge at the end. Excess mileage beyond the allowance is charged at 12p per mile.

Road tax and roadside assistance are included. Servicing and maintenance are not, and you arrange your own insurance — budget for both when comparing the monthly figure against products that bundle them in.

We source it. Tell us the colour, trim and options that matter and which are negotiable, and we will come back with what is actually findable rather than a wish list.

Not necessarily. A car that holds its value can cost less each month than a cheaper one that does not — the list price is not the whole story. Ask us to price both and compare.

Both. Every vehicle shows the personal figure inc VAT and the business figure ex VAT side by side.

Every vehicle’s mileage, year and condition are on its page. Used premium stock is exactly that — used — and we would rather tell you than have you find out on delivery.