Leasing, the smart way.

Car leasing is the cheapest way to drive a brand new car. Monthly payments on a car leasing contract can be lower than repaying finance when you purchase a vehicle. As long as you’re happy to make a fixed monthly payment, you can drive a new car every 2-4 years without ever worrying about depreciation or loss of value. With less money going out each month and a new car always just around the corner, leasing is a very attractive option.

The best car leasing deals can change daily or weekly and can depend on stock and funder terms. Take a look at our special offersto see the best lease deals available right now. Thanks to our strong relationships with the UK's leading car finance funders we are able to provide some of the cheapest car lease rates in the market.

With a car lease we include road tax, manufacturer’s warranty, free delivery, and dedicated customer support.

When you lease a car road tax is included as part of your standard monthly car leasing price.

Insurance is not included as part of the standard monthly car lease price. You arrange your insurance as normal, but you may also want to consider taking out a GAP insurance product too. See our car leasing insurance guide for more information.

You have the option to add on a maintenance package. This is referred to as a ‘finance provider maintained’ contract. If you choose not to take a maintenance package this is referred to as a ‘customer maintained’ contract.

The benefit of taking out a maintenance package is to give you complete peace of mind that any unexpected vehicle repair costs you may not have budgeted for, are be covered.

A car lease offers many benefits. For a start, you'll get to drive a brand new car for a low fixed monthly payment. You do not need to worry about depreciation or having to sell it after you are done and your road tax and manufacturers warranty is included in your car lease deal. Besides, you can choose a no deposit leaseon any car via ICL. That means there is no large upfront payment required.

With car leasing you won't have hassle part-exchanging or selling your car when you need a new one. All you do is hand back the car and you’re free to decide what to do next; whether that be enter another lease agreement or buy a car.

Some of the advantages to leasing a car over buying one include, no balloon payments at the end of contract. Often when the agreed finance repayment schedule finishes on a hire purchase car, there is a balloon payment due. This is a risk, as you don’t have the certainty of your finances at the end of your contract. Leasing is easier as you don’t have to take a double hit by putting down a deposit, as well as being required to pay a hefty lump sum at the end of the contract.

To lease a car you need to meet certain criteria in order to get a car lease contract. It is essential that you are over 21 years of age, hold a valid UK driving licence, have 3 years' employment history and a reasonable credit rating. Finance companies don't generally consider you without these. The minimum period you can lease a car for is 24 months. Anything under this contract length would be a short-term hire.

A lot of people ask us what the payment structures of personal car leasing and contract hire actually mean. To understand this process, here is a simple breakdown with an example:

Example - 3 + 35. This would be a 3 year contract made up of 36 individual monthly payments. The initial rental is 3 x the standard monthly rental amount, followed by 35 standard rentals. So, if the standard monthly payment was £119.99, the initial payment would be £359.97, making the contract 1 payment of £359.97 and then 35 payments of £119.99.

You have the option to add on a maintenance package when you take out a lease agreement.  Maintenance can be added to your car leasing agreement for a fixed additional monthly cost, to cover servicing, replacement tyres and other repair costs.

When you take out maintenance package you get complete peace of mind that any unexpected vehicle repair costs you may not have budgeted for, are covered.

What do I get with maintenance?

Maintenance packs are an optional extra which can be added to any car leasing contract. In essence, maintenance covers anything which needs repaired or replaced during the course of your lease. This includes tyres, brakes, exhausts, wipers etc. However, maintenance packs do not cover any repairs or replacements which are a result of accidental damage. Our Fair Wear and Tear guide explains what is considered an acceptable level of deterioration at the end of your lease period.

You also get breakdown cover included as standard when taking a maintenance package. This means that you'll never be left stranded in the event of a breakdown, and receive roadside repairs when possible.

Maintenance also includes servicing and MOTs. In order to keep your vehicle within the manufacturers’ warranty you need to have the car serviced at regular intervals. This can be after a set period of time (every year for example), or after passing a certain threshold of miles. If you take out a lease for 36 months or more you’ll legally need to get the car put through an MOT test too.

How much does maintenance cost?

The cost of maintenance differs, depending on the vehicle and the type of contract you request. It is more expensive over higher mileages, as this puts more wear and tear on the tyres and other components.

Adding maintenance to my contract

When you receive documentation from us at the start of your lease period you shall also receive a ‘driver card’. This includes the contact number you can phone to book in any servicing, maintenance or repairs you need under your agreement. You are then allocated a slot at a manufacturer approved dealership, and you simply take the car in at the agreed time. You must use a provider that is approved by your finance provider so it is always best to phone them first.

Should I take out maintenance?

Our advisors always look to get you the best suited lease contract possible. You are never sold a product which isn’t right for your needs, and the choice is always yours.

Advisors can give you quotes with and without maintenance included to allow you to make a balanced decision. The final choice is completely up to you, some drivers like having complete peace of mind from day one, which maintenance provides.

If you chose not to take finance provider maintenance with your vehicle you must remember that you are in charge of maintaining the vehicle yourself. Some of our customers chose to put a little bit extra away every month to help towards the cost of repairs if an unexpected problem with your vehicle occurred.

Lease cars are one of the cheapest ways for you to drive a brand new car. Leasing also lets you find a deal that fits with your budget. You agree a fixed monthly price for the use of the lease car and the length of time you require it for. Leases also include your road tax as standard and you can cover yourself completely by adding our optional maintenance package.

Personal car leasing is a type of lease that allows you to drive a new vehicle over an agreed period of time and mileage. With personal car leasing you get cost-effective access to a new car without the large risks associated with owning a car outright. You also have the option to include servicing, maintenance and repairs, which means you can budget predictably for all your motoring costs.

At the end of your personal car lease, you return the car to the finance company. There is no option to purchase the car at the end of your lease but you can simply replace it with another one. The vehicle should be returned to the leasing company in a condition that meets the BVRLA ‘Fair wear and tear’ guidelines, otherwise charges may be incurred.

How do I benefit from a personal car lease?

• Drive a new vehicle on low monthly repayments.
• Flexible contract terms ranging from 24 to 60 months.
• Return the vehicle at the end of your contract.
• Monthly repayments that are fixed and never change making it easier to budget (please note that any changes to VAT are out with our control and may affect your rental).
• The hassle of having to sell the car is removed.
• Reduced risk from losing money on the car’s value due to depreciation.

Do I face potential extra costs?

• If the vehicle is returned with damage that goes beyond established industry guidelines – known as BVRLA Fair Wear and Tear – you may incur charges to repair that damage.
• If you terminate the lease early, you may be liable to pay an early termination fee.
• If you have driven the vehicle beyond the agreed mileage limit, you are charged an excess mileage rate which is outlined in your agreement. Mileage limits cannot be amended at any stage during the contract.

What does personal car leasing include?

• Road Tax is included throughout the duration of the contract.
• Complete support and guidance throughout your time with us.
• Fully bespoke contract, term and mileage – discussed, developed and tailored to your individual needs.
• A comprehensive vehicle maintenance package (if selected as part of the contract) including all servicing and maintenance.

Am I eligible for a personal car lease?

You need to meet certain criteria in order to qualify for a personal car lease contract:

• You must be 21+ years of age.
• You need to have a full UK driving licence.
• We require 3 years employment history.
• We require 3 years address history.
• You should have a good credit rating (each application uses different criteria so we can't advise on specifics with regards to credit ratings).

How do I get started?

You choose the manufacturer and model of car that you want and we manage the rest for you. It's a very straightforward process. All you do is pay one fixed monthly fee, keeping your costs low and predictable.

1. Check out our special offers or use the quick finder tool on our homepage, you can use our advanced search filters to find specific models.
2. Select the car you want, customise your terms and send us an enquiry.
3. We contact you to finalise your deal.

If you would prefer to speak to us straight away, no problem! Give us a call on 0344 387 2727 or send an email to info@intelligentcarleasing.com. Our friendly advisors are on hand to help.

All cars and vans are supplied from manufacturers' dealer groups. We have a preferred panel of dealers who offer excellent customer service levels to our customers.

At the end of your lease, you simply hand your car back to the leasing company meeting the BVRLA’s standard fair, wear and tear guidelines. A representative from the finance provider collects your vehicle and checks its overall condition. All damage is recorded, and in the event that the vehicle is returned in poorer condition than ‘fair wear and tear’ allows, you may be charged.

If you want to end your car lease before the agreed contract period is up, you need to negotiate a settlement with the finance provider. This is usually around half the value of your remaining payments but can vary.

For each mile you go over your agreed mileage, there is a small surcharge to pay. This is usually in the range of 3-11p per mile and changes from car to car.