BMW
M3 Competition xDrive
£400 /mo inc VAT
- Upfront£4,500 refundable
- Contract48 months
- Mileage10,000/yr
- Delivery7-10 working days
Personal leasing
Your next car.
Priced properly.
Leasing in your own name, priced inc VAT — the monthly figure you see is the figure that leaves your account. Every vehicle we hold is available to personal customers.
Personal or business
Same vehicles. Different paperwork.
Every vehicle we hold is available either way — there is no separate business range and no separate personal range. What changes is the VAT treatment, whose name goes on the agreement, and how the payments are accounted for.
Personal
You’re here- Price shown
- Inc VAT — the figure you actually pay each month
- Agreement in
- Your own name
- Monthly payments
- Fixed for the length of the agreement
- VAT
- Included in the monthly figure and not reclaimable
- Accounting
- A personal expense — nothing to record
Business
See business →- Price shown
- Ex VAT — VAT is added on top of the monthly figure
- Agreement in
- The company's name
- Monthly payments
- Fixed for the length of the agreement
- VAT
- Potentially reclaimable on the rentals, depending on use
- Accounting
- Usually treated as a business expense
Tax treatment depends on your business and its circumstances — how the vehicle is used, whether there is any private use, and your VAT position. We are not tax advisers and nothing here is tax advice. Check with your accountant before assuming what you can reclaim.
Jaecoo
J7 1.5T SHS PHEV Luxury
£380 per month inc VAT
Business £280 per month ex VAT
- Upfront payment£3,650 · refundable
- Contract48 months
- Annual mileage10,000
- Excess mileage12p per mile
- MaintenanceNot included
In stock now
26 available now
Mercedes-AMG
A35 4MATIC
£400 /mo inc VAT
- Upfront£3,200 refundable
- Contract48 months
- Mileage10,000/yr
- Delivery7-10 working days
Jaecoo
J7 1.6T AWD Luxury DCT
£400 /mo inc VAT
- Upfront£3,650 refundable
- Contract48 months
- Mileage10,000/yr
- Delivery7-10 working days
How it works
Four steps
Pick a vehicle
Everything listed is stock we hold, with the full terms shown against it — monthly, upfront, contract and mileage.
We confirm and quote
We check availability the same day and confirm the figures in writing, inc VAT.
Affordability and paperwork
No credit check. We assess affordability, not your credit score. We ask for your driving licence, proof of address, and either a payslip or a bank statement. We use these to check the monthly payment is affordable for you.
Delivered to you
To your home, nationwide, typically within 7 to 10 working days.
Common questions
Worth knowing
Is the price I see the price I pay?
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.
Can I lease personally if I have a company?
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.
Do you run a credit check?
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.
What is not included?
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.
What happens at the end?
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.
Ready to find your next car?
Tell us what you're after. We'll come back with options, not a sales pitch.