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Personal Lease


A Personal Lease is a personal (consumer) finance product enabling the customer to have the benefits of ownership and use of the vehicle, whilst the financier retains the actual ownership of the vehicle.

How does a Personal Lease work?

The financier purchases the vehicle on behalf of, and as instructed by, the customer, who then leases the vehicle back from the financier, paying a fixed monthly rental. At the end of the lease the customer then has the option to either purchase the vehicle from the financier (at an amount agreed upon at the start of the lease), trade the vehicle in for a new one and take out a new personal lease, or continue on with the lease with any residual amount (again, agreed upon at the start of the lease).

Benefits of a Personal Lease

  • Fixed interest rate and monthly lease rentals.
  • Flexible lease terms from 1 to 5 years.
  • Rental instalments tailored to match your personal cash flow.
  • No capital outlay (upfront deposit) required.
  • All ‘on road’ costs may be financed.


For further information on a Personal Lease please contact us, or you may simply apply online.