Personal Car Leasing & Personal Contract Hire

Personal car leasing is becoming increasingly popular in the UK with more and more people choosing a personal car lease deal over buying a vehicle.

As the name suggests Personal Contract Hire (also known as personal car leasing) is simply contract hire but for individuals. Personal Contract Hire (PCH) is based on a fixed term contract where individuals pay an agreed monthly charge for the use of a vehicle for a previously agreed period. A personal car leasing contract usually consists of an initial payment (or initial rental) which is payable at the start of your contract, followed by subsequent monthly payments over the agreed lease period.

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Personal Car Leasing

Take a look at some of our latest Personal Car Leasing deals below, or contact our leasing specialists on 0161 667 5338. 

327 vehicles found

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In Stock

Mini Hatchback

Mini Hatchback

Personal price per month inc VAT 36 months - 5000 miles
From £223.08

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Volkswagen Polo

Volkswagen Polo

Personal price per month inc VAT 48 months - 5000 miles
From £226.24

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MG Motor UK MG4 EV

MG Motor UK MG4 EV

Personal price per month inc VAT 36 months - 5000 miles
From £229.04

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Vauxhall Astra Electric

Vauxhall Astra Electric

Personal price per month inc VAT 48 months - 5000 miles
From £237.02

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MG Motor UK ZS

MG Motor UK ZS

Personal price per month inc VAT 36 months - 5000 miles
From £243.98

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Volkswagen T-Cross

Volkswagen T-Cross

Personal price per month inc VAT 48 months - 5000 miles
From £254.04

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Mini Cooper

Mini Cooper

Personal price per month inc VAT 48 months - 5000 miles
From £259.33

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Hyundai Tucson

Hyundai Tucson

Personal price per month inc VAT 48 months - 5000 miles
From £280.12

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Cupra Formentor

Cupra Formentor

Personal price per month inc VAT 48 months - 5000 miles
From £287.22

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Audi A4

Audi A4

Personal price per month inc VAT 24 months - 5000 miles
From £307.98

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Skoda Karoq

Skoda Karoq

Personal price per month inc VAT 48 months - 5000 miles
From £314.04

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Volkswagen Tiguan Allspace

Volkswagen Tiguan Allspace

Personal price per month inc VAT 36 months - 5000 miles
From £319.46

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Volkswagen Tiguan

Volkswagen Tiguan

Personal price per month inc VAT 48 months - 5000 miles
From £334.28

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Volvo EX30

Volvo EX30

Personal price per month inc VAT 48 months - 5000 miles
From £346.80

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Polestar 2

Polestar 2

Personal price per month inc VAT 48 months - 5000 miles
From £372.36

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Volvo V60

Volvo V60

Personal price per month inc VAT 24 months - 5000 miles
From £382.86

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Volvo XC60

Volvo XC60

Personal price per month inc VAT 36 months - 5000 miles
From £425.76

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Vauxhall Mokka Electric

Vauxhall Mokka Electric

Personal price per month inc VAT 60 months - 5000 miles
From £459.24

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BMW 3 Series

BMW 3 Series

Personal price per month inc VAT 48 months - 5000 miles
From £493.32

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Hyundai Santa FE

Hyundai Santa FE

Personal price per month inc VAT 48 months - 5000 miles
From £521.02

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Volkswagen Touareg

Volkswagen Touareg

Personal price per month inc VAT 48 months - 5000 miles
From £572.40

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Volvo XC90

Volvo XC90

Personal price per month inc VAT 48 months - 5000 miles
From £650.20

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Porsche Macan

Porsche Macan

Personal price per month inc VAT 48 months - 5000 miles
From £745.25

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Land Rover Defender

Land Rover Defender

Personal price per month inc VAT 48 months - 5000 miles
From £749.75

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Why choose personal car lease? 

Personal car leasing helps to control your monthly spend by offering a fixed monthly payment for the agreed term of the lease. As a reputable leasing broker, GB Vehicle Leasing offer bespoke and competitive quotes to suit your requirements. Similarly, you have the option to add a fixed monthly cost maintenance contract covering all the vehicle’s servicing, maintenance and MOT testing costs for the duration of the lease contract. This gives you peace of mind as there’s no unexpected maintenance costs.

With Personal Contract Hire (PCH), there’s no buying/disposal concerns as you simply return the vehicle at the end of the contract. This means you don’t need to worry about depreciation risk as the job of selling the car and picking up the tab for depreciation is the responsibility of the finance company.

Also, when you lease a car, you get a brand new vehicle. Not only are new vehicles much more reliable than used ones, but any issues will be covered by the manufacturer's warranty. Plus, new cars don't require an MOT until they are 3 years old. As all of the vehicles we source are brand new, by the time the MOT is due, you'll more than likely have handed it back to the finance company.

Need to sell your old vehicle? At GB Vehicle Leasing, we can make part-exchanging your old vehicle for a new personal lease vehicle simple and straightforward. We're one of the very few brokers that will accept a part exchange and we have access to the whole trader network in the UK. 

Furthermore, our highly trained staff are dedicated to ensuring personal car leasing is as simple and straightforward as possible for our customers. Our After Sales team are always on hand should you have any questions during the time you have the vehicle.

Part Exchange Your Old Vehicle

Need to sell your old vehicle? Part-exchanging eliminates the hassle of selling your old vehicle privately and dealing with potential buyers. Currently, we're one of the very few brokers that will accept a part exchange!

Customer Reviews

See what our customers have to say

"Fantastic customer service from both Tyler and Eliza from start to finish. All enquiries were promptly responded to. Whilst the car took a little longer to arrive this was not the fault of GB Vehicle leasing and we were kept updated on a regular basis. The car was well worth the wait."

Kevin Howick

08/05/2024

"Had phoned for some general information regarding leasing. Tyler answered the phone, he was helpful, considerate and patient with all my questions. Lo and behold car ordered 3 days later and Tyler always available and ready to help, he went above and beyond my expectations."

Redmist

30/04/2024

"I reached out to obtain a couple of quotes on leasing Ford Ranger Wild track vehicles and was impressed with how promptly I received them. There was also regular follow up, without any hard sell from Colin Harris to check if I was still interested in going forward."

Robert Cameron

08/04/2024

"Great service from start to finish. Colin was really helpful in finding the right car with the right finance package. He answered my emails swiftly and honestly with no hard selling. Smooth transaction with the admin team (Eliza) who was friendly and who kept me up to date with the progress."

Gemma

20/04/2024

"Neil was very supportive and easy to deal with when applying for a new lease. Answered all our questions and gave his recommendations which helped guide us into a decision. Would recommend him to anyone coming to look for a new lease."

Zydrius Hitas

06/04/2024

Personal Car Leasing FAQs

See below for more information about personal car leasing (PCH) or contact our leasing experts on 0161 667 5338

How Does Personal Car Leasing Work?

Leasing a personal vehicle is really simple and can be broken down into the following steps:

  1. Browse through the personal lease deals on our website to find the best vehicle for you and submit an enquiry. 

  2. Once we receive your enquiry, one of our highly experienced leasing consultants will be in touch to discuss your specific requirements. 

  3. Based on the information you provide to us, the leasing consultant will run quotations using the funders at our disposal. You will be provided with a free quotation at the best possible price for the vehicle you desire.

  4. If you’re happy with the quote provided, then you are required to complete a finance application form on our website. Once completed, we will send this form to the appropriate finance company for them to review.

  5. Once the credit has been approved, our admin team will send you all the necessary documentation for your order. You’re then required to review and sign the Order and Terms and Conditions and return to us. The Order is then sent to the dealer to secure the vehicle. Our admin team will request any proofs of ID required by you and a finance contract will need to be signed. 

  6. Once any ‘Cooling Off Period’ has expired, on your agreed delivery date, your new vehicle will be delivered direct to you. You will be required to sign a ‘Vehicle Acceptance Note’ confirming the vehicle is as ordered and in the condition you expected.

Click here for more information. 

Advantages Of Personal Car Leasing

There are many advantages to leasing a personal vehicle over buying: 

  • Flexible initial payment

  • Fixed term contract

  • Fixed mileage contract

  • Fixed cost motoring

  • Flexible profiles to suit you

  • 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

What It The Difference Between Business And Personal Leasing?

If you are a limited company, partnership or limited liability partnership you may be eligible for a business lease. Business leases exclude VAT and offer a number of specific tax benefits related to companies.

A personal lease is simply a contract hire agreement but for individuals. Personal leases include VAT.

If you're unsure whether a personal or business lease is best for you, contact our experts on 0161 667 5338.

Do All Personal Lease Vehicles Come With A Manufacturer's Warranty?

Yes. Unless otherwise stated, all of our vehicles are brand new and come with a full manufacturer's warranty. 

However, for extra peace of mind a maintenance package is available on most of our lease deals for an additional fee. A maintenance package usually covers all servicing, tyres, brakes, battery and labour.

What happens at the end of the lease?

At the end of your personal car leasing agreement the car is returned to the leasing provider.

If you have exceed the agreed mileage allowance within your contract an excess mileage charge will be payable, typically worked out on a 'pence per mile' basis.

When you return your vehicle it will be assessed in accordance to the BVRLA Fair Wear and Tear guidelines. If there is any damage which falls outside of these guidelines then an end-of-lease penalty charge may apply. 

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