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  • MINI CONVERTIBLE 1.5 Cooper 2dr [Pepper Pack]
    Mini Convertible
    1.5 Cooper 2dr [Pepper Pack]
    £186.00 + VAT
    Initial rental of £1,116.00 + vat followed by 35 rentals of
    £186.00 + vat on 10000 miles p.a.
    Business Contract Hire Offer.
    View Offer
  • MERCEDES-BENZ A CLASS A180d Sport Executive 5dr
    Mercedes-Benz A Class
    A180d Sport Executive 5dr
    £223.00 + VAT
    Initial rental of £1,338.00 + vat followed by 35 rentals of
    £223.00 + vat on 10000 miles p.a.
    Business Contract Hire Offer.
    View Offer
  • BMW 2 SERIES 218i SE 2dr [Nav]
    BMW 2 Series
    218i SE 2dr [Nav]
    £232.00 + VAT
    Initial rental of £1,392.00 + vat followed by 35 rentals of
    £232.00 + vat on 10000 miles p.a.
    Business Contract Hire Offer.
    View Offer
  • MERCEDES-BENZ GLC GLC 250d 4Matic AMG Line 5dr Auto
    Mercedes-Benz Glc
    GLC 250d 4Matic AMG Line 5dr Auto
    £352.00 + VAT
    Initial rental of £2,112.00 + vat followed by 35 rentals of
    £352.00 + vat on 10000 miles p.a.
    Business Contract Hire Offer.
    View Offer
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Lease a Personal Car

When it comes to leasing a personal car as a private individual it can be quite daunting if you’ve never done it before. Here at Lease A Car we offer a personal car lease service which makes the process as simple and uncomplicated as possible for you.

Our expert team will guide you through the leasing process, helping you to choose the type of leasing agreement that is best suited to your needs, as well as the length of time or annual mileage of the contract. A personal car lease can be arranged in the following ways:

Personal Contract Hire (PCH) is based on a fixed term contract where customers pay an agreed monthly rental for the use of a vehicle for a set period. It benefits customers wishing to eliminate the financial risk associated with disposal of a vehicle. Contracts are usually taken over two, three or four years, providing a high level of flexibility.

Some contracts can be formally extended beyond the end of contract date if required. PCH is very similar to business Contract Hire; both are based on a fixed annual mileage agreed on inception of the contract. You will need to work out how many miles you drive each year before a quote can be obtained. If you do exceed the agreed mileage at the end of your contract you will pay an excess mileage charge, which will have been agreed upon prior to signing your finance agreement. If you want fixed motoring costs consider adding maintenance to your contract. Maintenance generally covers servicing, routine maintenance, tyres, exhausts and batteries etc. It is important that the vehicle is returned in accordance with the guidelines set out in the Fair Wear and Tear Guide, a copy of which is made available to customers at the beginning of their PCH agreement.

Advantages 

  • Flexible initial payment
  • Fixed term contract
  • Flexible term and mileage to suit your equirements
  • You only pay for the use of the vehicle
  • At the end of your contract simply hand the vehicle back
  • Option of including maintenance with the contract
  • No depreciation or disposal risk 

Disadvantages

  • Early termination can be expensive
  • If you do more miles than stated in your contract you will be charged excess mileage for each mile over that stated in your contract
  • You must look after the vehicle and return it in a well maintained condition otherwise you will be charged for any damage over and above that stated in the BVRLA Fair Wear and Tear Guide
  • You must have fully comprehensive vehicle insurance
  • You will never own the vehicle as there is no option to buy it 


Personal Contract Purchase (PCP) is a finance agreement for private individuals looking to fund a new vehicle in a manageable way. The monthly payments are not subject to VAT, however if you do take out optional services then you will have to pay VAT on them. PCP is ideal for any individual who would like options at the end of their finance agreement. PCP customers make an initial payment when they first take out their contract, then they pay fixed monthly payments and finally have an Optional Final Payment (OFP) at the end at the end of the contract which is also referred to as a GFV (Guaranteed Future Value). You can trade-in your vehicle at a dealership and take another vehicle from them, if the trade-in value is larger than the OFP you will be able to use the difference towards a Initial Payment on your next new vehicle. Or, you can simply return the vehicle to the funder, as long as you have not exceeded the mileage and the vehicle is in an appropriate condition for its age there will be no charge. Finally, you can keep the vehicle, either by paying the OFP in full, or, by finding a company to re-finance the OFP.

 

Advantages

  • Low initial payment
  • Fixed monthly payments
  • You may be able to refinance the OFP
  • No depreciation concerns if you wish to walk away at the end
  • Maintenance and servicing can be included
  • Fixed OFP when you first take out the contract

Disadvantages

  • At the end of the contract you will have to decide whether you wish to sell the vehicle, return it or keep it
  • You must have fully comprehensive vehicle insurance

Whatever your budget or annual mileage, here at Lease A Car we have personal car lease plans to suit everyone. Why not get in touch with us today to discuss your requirements and find out how we can help you.

 

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© Benchmark Leasing Ltd. Copyright 2014;.
Benchmark Leasing Limited(and our associated Trading Styles) are Authorised and Regulated by The Financial Conduct Authority, our Firm Reference Number is 679297.
Limited Company Registration Number : 3733005, DPA Number - ICO - Z7359184, BVRLA Registered Number: 1576, VAT Registration Number: 697910089. Benchmark Leasing Limited are a Credit Broker and not a Lender. We introduce business to a limited panel of Lenders including: LEX Autolease Limited, Alphabet GB Limited, Arval UK Limited, LeasePlan/Network and various Vehicle Manufacturers finance arms.

All Rights Reserved. Vehicles shown are for illustration purposes only. Vehicle pricing is correct as of publication. We reserve the right to withdraw any product, service or price without notice. Errors and omissions excepted.