Step-by-step: from quote to keys on your driveway

From quote to keys: how the LeaseCar leasing process works

Car leasing is simpler than most people expect, but it helps to know what is coming before you start. From the moment you find a deal you like through to a new car arriving on your driveway, there are six clear stages. Here is exactly what to expect at each one.

Step 1: choose your car and configure your deal

Choosing your vehicle

• Browse by body type: hatchbacks, SUVs, saloons, city cars, estates, MPVs and vans are all available through LeaseCar

• Hatchbacks | SUVs | City cars | Saloons | Vans

• Narrow by fuel type, budget or brand: LeaseCar's filters make it straightforward to find the right match

Configuring your contract

• Contract length: typically 24, 36 or 48 months — shorter contracts offer more flexibility; longer ones often reduce monthly payments

• Annual mileage: set this accurately based on your real driving — excess mileage is charged at contract end, typically 10 to 30p per mile over the limit

• Initial rental: an upfront payment equivalent to 1 to 12 monthly payments made before delivery — not a refundable deposit; a higher initial payment reduces your ongoing monthly cost

• Maintenance: an optional add-on covering servicing, tyres and routine maintenance within the fixed monthly payment

Step 2: get your quote

• The online system walks you through the quote process

• The quote sets out the monthly payment, initial rental, contract length, mileage allowance and any maintenance element

• Quotes are free and there is no obligation to proceed. One of our dedicated team will call you to discuss your lease options and help you move forward.

• If you want to talk through options, or need help with the quote process, the team is available Monday to Friday, 8:45am to 5:30pm on 0344 745 1818

• Review the quote carefully: the terms set out here become the basis of your finance agreement

Step 3: submit your application and documents

When you are ready to proceed, you submit a finance application alongside supporting documents.

What you will need

• Proof of identity

• Bank account details

Further information you may be asked for

• Proof of address

• Employment or income details

When payment is made

• No payment is taken at the finance application stage

• In most cases the initial rental is collected after delivery by direct debit

• Monthly direct debit payments begin after the vehicle has been delivered and registered to you

Not sure about your credit position? See our guide to credit scores and leasing before you apply.

Step 4: credit check and finance approva

• LeaseCar submits your application to the most suitable lender from its panel of lenders

• A hard credit search is conducted: this is standard for any vehicle finance and leaves a mark on your credit file visible to other lenders

• The lender assesses your application based on credit history, income, existing financial commitments and affordability

• If approved, your account manager will contact you to finalise and place your order with the supplier, and take your vehicle sourcing fee by credit or debit card

• Once your order is accepted, the finance documents are sent out to you

• If your application is not approved, the LeaseCar team can advise on next steps or discuss alternative options

Step 5: your vehicle is ordered

• In-stock vehicles: already registered and ready for delivery; typically delivery takes 3 to 4 weeks.

• Factory-order vehicles: built to your specification; typically delivery takes 6 to 14 weeks from order to delivery depending on the manufacturer

• LeaseCar keeps you updated throughout and confirms the expected delivery date as soon as it is available

See in-stock deals for faster delivery

Step 6: delivery day

• Free mainland UK delivery is included: the vehicle comes to your home

• You inspect the car and sign an acceptance note confirming it has arrived in the agreed condition

• Keys are handed over once the acceptance note is signed

• Road tax is included: the car is taxed and ready to drive straight away

• Insurance is your responsibility and there must be comprehensive cover in place before delivery