Personal Car Leasing
Like the idea of driving a brand new car but struggling to afford high purchase costs? Personal car leasing UK could be the perfect solution. You get to drive a new vehicle for an affordable upfront payment followed by set monthly payments for the remainder of the lease period. When the lease ends, you can take out a lease agreement for a new car if you choose to
At VIP Gateway, you’ll find a wide selection of cars available for a personal lease deal. This selection includes the best affordable family cars such as the Hyundai Tucson Estate 1.6 TGDi, Kia Sportage Estate 1.6T GDi, and Nissan Qashqai Hatchback 1.3. We also have a collection of cars to make a statement in our prestige selection, such as the BMW I4 Gran Coupe 250kW eDrive40 M Sport.
Search our catalogues and you’ll find special deals on personal car leasing that provide excellent value. Need a vehicle as soon as possible? We recommend that you look at our “in stock” personal lease cars. These cars are already manufactured. This means they’re available and can be delivered quickly once you have completed the lease application process. You can normally expect delivery in around 2-4 weeks. We’re also happy to help with “factory order” personal leasing if you have specific vehicle requirements. These leases have longer delivery lead in times.
Search our collection of personal car lease deals to find the option that’s the best fit for you, then click the green enquiry button to start the leasing process. You can also call us directly on 0161 814 9623 or email [email protected]. Our team of experts will help you secure your ideal personal car lease.
How does personal car leasing work?
A personal car lease allows you to drive a new car for a specified period; usually two, three, or four years. Leasing is a more affordable option than buying. You make an upfront payment followed by several months of payments at agreed set rate.
At the start of the lease period, you agree the amount of the upfront payment and the regular monthly payments, as well as the amount of permitted mileage for the period of the lease. Once you have passed the necessary financial checks, the car is delivered to your door.
At the end of the lease period, you return the car. The vehicle is checked for any excess wear and tear or additional mileage. Depending on the results of these checks, you may have additional costs to pay. At this point, you can choose to lease another vehicle if you wish to.
Benefits
Low monthly payments
Hassle-free driving
No Depreciation risks
New Vehicles every 2-3 years
Road tax included at the prevailing rate
Easy Maintenance options
Delivery to your door
Cost-effective
Latest Personal Leasing Offers
We've hand-picked some of the best personal car lease deals below.
Need Help Find Your Dream Car?
Need help find the right personal lease deal? Call our friendly leasing specialists today!
Eligibility for a personal car lease
To sign a personal car lease with VIP Gateway, you need to:
Be at least 18 years old
Have photo ID
Have a full driving licence
Be on the electoral role
Pass a financial check
Is it better to lease or buy a car in 2025 UK?
Decisions about whether to lease or buy a new car are always going to be personal. For people who want to own a car, other options like PCP may be a good idea. However, if you are more concerned about being able to drive a new car than you are about owning a vehicle, leasing is an affordable and simple way to make this happen.
Why choose VIP Gateway for personal car leasing?
At VIP Gateway we’re dedicated to providing the best personal car leasing service for our customers. Our team of experts monitors the market daily, so you know you’ll get great offers on personal car lease deals. Most of our deals are for brand new cars, although we do have used car leasing options for some vehicles. Whatever your personal car lease needs are, you’ll find a deal to suit them in our catalogues. You can also contact us by phone or email if you want to discuss your requirements.
In addition to an impressive selection of available cars, we have a simple and transparent personal car lease process.
Simply:
Choose a vehicle and personal car lease that suits your requirements.
Click the green enquiry button to receive a personalised quote and begin the leasing process or contact us by phone or email.
Order your lease with us.
We’ll complete the necessary paperwork and carry out financial checks.
Sign your personal car lease agreement.
Take delivery of your personal lease vehicle.
The length of time taken to complete the personal lease process varies. It depends on several factors including the length of time required to complete checks and the vehicle and model you choose.
The benefits of personal car leasing
Wondering if it’s worthwhile leasing a car for personal use? The final decision is always going to be down to personal choice. However, there are several benefits to be aware of. The benefits include,
The ability to drive a new vehicle at the end of each lease period which is usually 2, 3, or 4 years.
No worries about resale.
No concerns about depreciation.
Easy budgeting due to set monthly payments.
Lower initial outlay than for purchasing a vehicle.
Road tax and manufacturers warranty included.
Protect the environment with personal electric car leasing
If you want to protect the world around you by driving an electric vehicle, you’ll find an excellent selection of EVs in our collection.
Wondering whether an EV personal car lease is right for you? You may be concerned about charging the vehicle and the possibility of running out of charge and becoming stranded.
In reality, many of the latest electric cars can travel upwards of 180 miles on a single charge, which is more than enough for most drivers in the UK. In addition, a typical electric vehicle with a 60kWh battery takes around eight hours to fully charge using a home charging point, and rapid charging can produce enough charge for 200 miles in as little as 20-30 minutes.
So, a personal EV lease is practical for most people. For more advice and information, read our Electric Car Leasing Guide.
Happy Customers
Alexandra Greenwood
Footballer
"Thank you so much for my new car I love it!"
Ian Wright
Footballer and Presenter
"Amazing Service from start to finish, so happy with my car!"
Marcus Rashford
Footballer
"Thank you to the team! - amazing!"
Jack Grealish
Footballer
"Thanks on another car from VIP Gateway, top service"
Vanessa Feltz
TV Personality
"Appreciate the good work. Thank you again. Such a good deal"
Jermaine Jenas
Footballer and Presenter
"Thank you so much, outstanding service from start to finish"
Andy Cole
Ex Footballer
"Always choose VIP Gateway for my cars, easy and hassle free"
Emile Heskey
Professional Footballer
"Thank you so much for my new car, I love it!"
Steve Diamond
Rugby Chairman
"Thanks again guys appreciate the great work"
Personal Car Leasing FAQs
The basic answer to this is that anyone who is at least 18 years old and has a full driving licence can lease a car in the UK. However, to be accepted for a personal car lease, you must pass identification and financial checks.
The main difference between a personal car lease and a personal contract purchase (PCP) is that you never have the option to own the vehicle with a lease agreement but you do with a PCP. A lease agreement consists of an upfront payment and several monthly payments with the car being returned at the end of the lease agreement. A PCP consists of a series of monthly payments followed by the option to make a final large “balloon payment” if you wish to purchase the car.
The upfront cost and monthly payments for a personal car lease depend on factors such as the vehicle, model, trim, and chosen mileage. At VIP Gateway we have deals starting from around £185 per month.
There is no perfect personal car lease length. Your choice of lease length depends on your requirements. The most common lease lengths are 2 and 3 years. However, one year leases are also widely available and 4 year leases allow for lower monthly payments. At VIP Gateway we also offer short term leasing on some vehicles.
If you’re not concerned about owning a car and simply want a new vehicle to drive, leasing is an affordable and simple option. The leasing process is simple and hassle free, the upfront outlay is less than for buying a car. However, if you’re happy to make higher payments and own the car eventually, other forms of finance may be more appropriate.
Yes, your credit rating needs to be good or excellent to be accepted for a personal car lease. If you’re concerned about this, we’re happy to discuss your circumstances with you and explain the financial check process.
No, insuring the car you lease is your responsibility. You must ensure that you have fully comprehensive insurance in place from the day the vehicle is delivered. The finance company continues to be the registered owner of the vehicle throughout the lease period.
No, most lease deals don’t include servicing or maintenance. You’re responsible for ensuring any servicing and maintenance is completed as necessary. If you don’t maintain the vehicle as expected, you may have to pay additional costs at the end of the lease period, if the wear and tear is considered to be excessive and the condition of the vehicle is poor.
Yes, if you exceed the agreed mileage allowance, you’ll be asked to pay an additional fee when you return the vehicle at the end of the lease period. So, always ensure that you’re happy with the agreed mileage before you sign the lease agreement.
When you apply for a personal car lease, you must provide official photographic ID, proof of address, and details of your employment. Once you’ve provided the necessary documents, a credit check is carried out in order to make a decision about your lease application.
Road tax is due on lease vehicles just as it is on other cars. However, road tax is included in the cost of a personal car lease. So, you don’t need to worry about paying it as long as the lease is in place.