At Compass Vehicle Services, we believe everyone deserves the chance to drive the vehicle they want, no matter their credit history. Since 1999, we’ve been committed to offering a personalised leasing experience, working directly with individuals and businesses facing the challenges of bad credit or no credit history. Our dedicated team provides tailored leasing solutions, focusing on what you can afford, not just past credit mistakes.
Unlike traditional leasing companies, we take the time to understand your unique financial situation. Our dedicated team focuses on your ability to afford the lease, not just your credit score, to help you get behind the wheel of the vehicle you need.
✅We lease to those with CCJs, IVAs, and bankruptcies.
✅No need for a credit check to get started.
✅Affordable, fixed monthly payments.
See How Car Leasing WorksAt Compass Vehicle Services, we offer flexible car leasing deals designed to fit your budget and lifestyle — many with no upfront costs. Whether you have bad credit or no credit rating, our deals are tailored to suit your unique situation, ensuring a stress-free leasing experience.
Here’s a selection of our most popular deals:
208 1.2
£379 Initial Payment + VAT | Contract term 48 months | 12,000 miles per annum
Corsa Design 1.2
£379 Initial Payment + VAT | Contract term 48 months | 12,000 miles per annum
Sportage 1.6 T-GDi 2
£609 Initial Payment + VAT | Contract term 48 months | 12,000 miles per annum
1 Series 118i Sport
£609 Initial Payment + VAT | Contract term 48 months | 12,000 miles per annum
IVAs
CCJs
Bankruptcy
And All Bad Credit
At Compass Vehicle Services, we stand out by offering a personalised leasing experience with no third-party complications.
Unlike other companies, we don’t hold a stock of vehicles — instead, we source exactly what you need and lease it directly to you.
With our in-house funding and underwriting, we streamline the process and provide leasing terms tailored specifically to your situation, focusing on what you can afford, not your past credit history
At Compass Vehicle Services, we’ve made the leasing process simple and stress-free. From choosing the car you want to returning it at the end of the lease, we handle everything with the personalised service you deserve. No complicated third parties, just direct, tailored solutions.
If you don’t find the answer to your question please get in touch and we’ll be happy to help.
Absolutely. Our decisions are not based on credit scores but on your affordability and financial stability.
If you have never had a loan or taken out credit we understand you won’t have any credit history.
Demonstrate to us that you can afford the lease payments, and we can help you lease a vehicle with no credit.
You will need to supply us with bank statements and proof of employment.
A credit check is required to comply with the Financial Conduct Authority and anti-fraud regulations.
We only perform a credit check once we have pre-approved your car leasing application.
We check your credit file to confirm your address, and we are not looking at your credit score.
We welcome customers with individual voluntary arrangements (IVAs). We look at your current financial situation and whether you can afford the payments rather than using your credit score.
We welcome applications from customers who have County Court Judgments (CCJs). We look at your current financial situation and whether you can afford the payments to make a decision, and not your credit score.
We welcome applications from customers who are bankrupt or who have been discharged from bankruptcy. We look at your current financial situation and whether you can afford the payments, not your credit score.
If you can satisfy 2 key requirements then you qualify to lease a car:
Are you traceable? It is not simply a question of whether you are on the electoral roll. It helps, but we will not discount an individual if they are not on the electoral roll. We consider a number of other issues such as how long you have been living in your home (you do not need to own it) and how long you have been in your current employment/self-employment.
Can you afford the payments? We review your last three months bank statements to assess whether you are able to afford the monthly payments. We do not use any credit scoring methods.
Once you have completed your application for personal or business contract hire, we will ask you to supply some supporting documentation which is usually:
Proof of Identification – Copy of your valid driver’s licence
Proof of Income – Pay slips and bank statements for the last 3 months. If self-employed instead of pay slips please provide your
HMRC SA302 form confirming your latest tax calculation
Proof of Address – You can verify your address by providing a UK utility bill (gas, electricity, water, telephone landline) issued within 3 months. The name and address on the bill must match those in the lease application.
Your lease includes a standard mileage allowance of 12,000 miles per year, Vehicle Excise Duty (road tax), the manufacturer’s warranty, and flexible leasing terms tailored to your needs. You’ll also benefit from personalised support throughout your lease. Need more miles? Additional mileage options are available on request.
