At Compass Vehicle Services, we specialise in car leasing for individuals and businesses with poor or no credit history. Our team works directly with you to provide tailored leasing deals that fit your needs.
Unlike traditional leasing companies, we don’t rely on credit scores. We focus on providing solutions that help you get the car you need, regardless of your credit history.
✅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 a range of flexible car leasing deals, designed to fit your budget and lifestyle. No matter your credit history, our zero-deposit options make it easier than ever to get behind the wheel of a brand-new car.
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 from other car leasing companies by offering a truly personalised experience. Here’s how we do things differently:
Choose the car or van you want and we will source the vehicle and lease it back to you.
Make an initial payment (first payment) and pay fixed monthly repayments for the length of your lease.
Simply return the car or van at the end of your lease in good order and meet the fair wear and tear guidelines,.
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.
★★★★★
“If you’re looking for a reliable, efficient, and customer-focused vehicle service provider, I cannot recommend Compass Vehicle Service highly enough. They go above and beyond to ensure a wonderful experience. 10 out of 10!”
– Chris.
★★★★★
“This is an excellent company to lease from, the staff are very friendly and helpful. Ben did an excellent job sourcing the car for me and Graham whom I met was very friendly and made sure the car was immaculate. Highly recommended.”
– Andrew.
★★★★★
“What can I say about CVS. Amazing. When everyone else said no and didn’t even take a look at my financial details these guys went old school like a bank manager and checked if I could afford the car.”
– Mark.
★★★★★
“On my second car with CVS and I couldn’t be more satisfied with the service I’ve received, switching cars was so straight forward. Ended up with a brand new Audi – something I thought I would never have. Huge thanks to Ben, Graham and Jacki!”
– KW.
