FAQs

Step 1: Browse our special offers on cars and vans here.

Step 2: If you have found a Special offer you are after simply click on it and fill out the short application form. If you can’t find what you are looking for or need help, simply click here and  fill in comments box with the car or van you are after.

Step 3: We’ll contact you to advise your car or van options and the best terms from our panel of 19 lenders. Our searches are soft search in the first instance to protect your credit rating.

Step 4: Pick a deal that suits you and the new (or used) lease or finance deal that is best for you. You will be supported through the process and an account manager will be on hand to help you select the finance product, the vehicle and to answer any questions.

Step 5: Fill out the (normally electronic) paperwork.

Step 6: Pick a date for collection/delivery of your car. If it’s a new vehicle then delivery times vary depending on if the particular vehicle is in stock and your acc manager will advise. If it’s a used vehicle you are likely to be able to get the vehicle within 2 to 14 days but we have even had next day collections on some used vehicles.

Step 7: Collect your vehicle and drive away knowing that you have got a fantastic deal or have the car or van delivered to your front door. Easy as 1,2, tree!

Part exchange differs slightly depending on which of our partners you end up using after getting the best deal or depending on if you want a lease or finance deal with the car or van or if you have already found a vehicle and just want us to help you facilitate the finance on it.

If it’s a finance only deal then the part exchange process clearly depends on the dealer you have chosen.

If you have asked us to source a vehicle, be it a car or van, through one of our partners then the normal process for part exchange is simply to request one when you have the quote on your new (or used) vehicle. The partner will normally ask you to fill out a form self-declaring the state of the vehicle you want to exchange.

They will then give you a quote for the part exchange and when it comes times to swap vehicles will check the state of the vehicle against the self declaration and all being in order will either use the old vehicle to pay for or reduce your deposit or where there is no deposit required either pay the money to you or you can use the part exchange money to reduce your monthly payments on your new car or van.

The main point here is that when you want to use our partners to supply a vehicle and you also get finance then part exchange is an option for you…less hassle…less headache and easy to do!

We offer all types of personal and business vehicle (car and van) lending products. For personal lending, we offer PCP (Personal Contract Plan), PCH (Personal Contract Hire), HP (Hire Purchase) and CS (Conditional Sale) arrangements. You can find more about personal lease and finance products and their definitions here.

For business lease and finance we offer BCP (Business Contract Purchase), LP (Lease Purchase) and HP (Hire Purchase). You can find out more about the advantages of business lease and finance products here.

This very much depends on the nature of your existing deal. We have more in-depth details on ending your existing finance deal here but if your existing deal is a:

Hire Purchase or Conditional Sale deal – simply call the finance company to get a settlement figure which they are then obliged to give you. Once you have this, you can make arrangements to pay off the existing vehicle and then you can either sell the car privately and enter into a new lease or finance deal through Leasetree or trade the car in on one of our deals. Where you are taking our a new deal through one of our partners then you can also request that the partner makes the payment to your old finance company on your behalf and rolls this into your new deal – obviously this will make the monthly payments on your new deal go up but all will be made clear to you prior to this. You can apply for a quote and get help on getting out of your existing HP or Conditional Sale deal here.

Existing PCP (Personal Contract Plan) deals are less straight-forward but slightly more complex to get out of. They are structured in such a way that unless you are very near the agreed term then you are likely to need to pay in to cover a shortfall in what you owe versus the value of the vehicle. You can request a settlement figure from the finance company or alternatively wait till the term has finished and simply hand the car back and get a new lease or finance deal through Leasetree.

Existing Personal Contract Hire deals are the hardest to get out of and into a new car or van. While they tend to be for a shorter duration than the other forms of finance to will definitely need to pay in for early termination fees and its unlikely to make financial sense to end the agreement early.

Voluntary termination
In some cases, you can use the right to Voluntary terminate your deal using a little know clause from the Consumer Credit Act 1974, Section 99 which allows you to legally end your financial relationship with a lender provided you have entered into a PCP (Personal Contract Plan) or a HP (Hire Purchase) agreement but voluntary termination rights do not cover PCH (Personal Contract Hire) or operating lease deals.

The legal right means that you are entitled to apply voluntary termination of car finance without further implications provided you have paid, or will pay, 50% of the total amount payable on your PCP or HP deal. You need to include interest and fees in this amount and you cannot have missed any payments (as you then lose your Voluntary Termination rights) ,that there is no damage beyond “normal wear and tear” (the definition of which is normally supplied up front by your finance or lease company) and that you have taken “reasonable” care of the vehicle if you want to end the car finance agreement under this clause.
You can find more details about Voluntary Termination and upgrading your car here.

While no organisation can guarantee acceptance for either a leasing or finance product, Leasetree helps get people with poor credit into cars and vans every day.

Within our panel of 19 lenders, we have specialist bad and poor credit providers who are set up to provide finance in these circumstances.

To apply, simply click here. Remember that we and our partners use soft search so your credit rating is protected.

We also have a more in-depth guide here on poor credit and we answer more questions here.

What if I am in an IVA?

If you are in an individual voluntary agreement (IVA) where you are paying off your debts over an agreed period, we can still get you credit.

We have specialist lenders that have the foresight to approve those in an IVA as these lenders reason that you are committed to paying off historical debt. You will normally need to supply a letter from your Insolvency practitioner saying that by you entering into a new finance agreement will not put yourself at further risk.

Whatever your credit history, it only takes 2 minutes to apply and we are very good at getting approval for those who have previously been declined as we have specialist bad and poor credit lenders on our huge panel of lenders. We only access lenders that use Soft Search in the first instance to see if you will be approved so you can have peace of mind and the service is completely free so why not fill out the short app here today.

Having a CCJ or having missed key payments or a poor credit rating does not necessarily mean that you will not get credit or qualify for van or car leasing and finance. Some lenders on our specialist lending panel have no problem granting credit in these circumstances, but you should be aware that you are likely to pay a higher APR than would otherwise be the case as your risk is likely to be seen as potentially higher.

With our huge panel you may be pleasantly surprised that you are in fact approved even if you have a CCJ or that you have a number of lenders willing to provide a loan for a new or used car – simply apply today using our soft search process here.

If you have been declared bankrupt and your bankrupt status has not been discharged then it’s obviously more difficult - but not impossible- to get credit.

You may need to provide additional paperwork and you are likely to have a higher than normal APR to reflect the extra risk but we do have a few specialist lenders who are prepared to consider those in an un-discharged bankruptcy. They tend to use manual underwriting and the process will not be as quick as if you have a clean credit history or if your bankruptcy has already been discharged. The deal is more likely to be a Hire Purchase deal rather than a lease deal and they are more likely to ask for a deposit.

It’s easy to find out, simply fill in our quick application form here. We only use soft search in the first instance so your credit rating is protected.

Yes – we have cars, vans and all of the different types of finance to go with them.

In fact, we have direct access to nearly a thousand nearly new and second-hand cars through our dedicated partners. All the used cars you see on our website are real vehicles unlike many in the industry who unfortunately put up fake cars and then try to buy to order.

You can secure one of these cars or vans by applying through Leasetree, getting the finance agreed and reserving your vehicle.
Unusually, we also have hundreds of nearly new cars and vans in stock offering fantastic value on a lease or on a standard finance deal.

To see our special offers on nearly new and used cars, click here. If you see an offer you like simply click on it and fill in the short enquiry form. Please note that we try to keep our website up to date with stock and remove sold stock but these cars are up for sale right now so please register your interest as soon as possible in order to secure your nearly new or used car or van.

If you can't see a car you want simply fill in the comments box with the make and model you are after here... we are bound to have same or similar as we have access to nearly a thousand nearly new and used cars.

If you just want the finance as you have already found a car then that’s also perfectly fine – simply apply for finance only here.

Yes – We have thousands of new car and van deals and almost 1,000 nearly new and used cars and vans available on business lease or finance. You can check out our business lease and finance section here or alternatively apply for business lease or finance here.

Yes. You will normally need your driver’s licence and your last 3 months bank statements and some lenders sometimes ask for your last self-assessment but otherwise, the process is streamlined and easy to complete. Simply apply here.

Yes – not only do we have them,  zero deposit deals are available on most of our cars and vans. Why tie up your capital? Check out our zero deposit special offers here - if you see one you like simply click on it and fill out the, no obligation, application.

If you don't see the car you want in our special offers, fear not! Just click on this link here and then advise us what car or van you are after in the comments box - we have literally thousands of deals on new cars and van and hundreds of deals on used cars and vans.

Yes – Leasetree are proud to confirm that we partner with a true industry leader when it comes to providing a huge variation on Prestige and High-end cars and we have the facilities in place to finance these special vehicles.
We also have a large range of very real, nearly new and used Prestige and Supercars available on tap, ready to be whisked away!

If you want a new, nearly new or used Prestige Mercedes-Benz, BMW, Audi, Volvo, Jaguar, Land Rover, Porsche, Jaguar or Tesla then you have come to the right place - simply click on this link to see a few of the deals available.

If you don't see what you want, please fill in the comments section on this link with the car you are after and we are bound to have it available as we have thousands of new car deals and access to hundreds of used cars.
Equally, if you want a Bentley, Ferrari, Lamborghini, McLaren or Aston Martin then we pretty much always have fine examples available for immediate lease or finance.

Our discretion is guaranteed and if you want something special or unusual then our partners can also source these cars discreetly and quickly.

For a new car or van lease deal, the answer is yes! For used car lease deals, road tax is not included in the quote but all used lease cars and vans come with a warranty included, either the manufacturer’s warranty or (where this has expired) a complimentary warranty.

For pure finance deals where you, or a third party, find the car and we introduce finance, all road tax and warranty questions are for the vehicle dealer/supplier as this would depend on their own policy.

If you have already found a car or van elsewhere and just want finance only please click in this link here.

If you see a an offer or deal you like on the site simply click on the vehicle and then fill out the quick, no obligation, soft search form.

If you can't find the car you are after please click on this link and fill in the comments section with the make and model you are looking for- we have thousands of deals on new and used cars!