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Provided by LeasePlan UK Limited. AA Financial Services is a credit broker and not a lender.
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All monthly car lease prices include breakdown cover and vehicle tax.
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What's AA Lease?
AA Lease is a way to drive a brand-new vehicle that has a fixed priced for the duration of the lease. You can choose between 2, 3, 4 and 5 years.
We also offer an optional AA Lease Maintenance plan which covers all of your servicing, maintenance and repair to give you complete fixed priced motoring.
We'll deliver your vehicle and collect it at the end of the lease. We also have a dedicated Driver Line if you need any help or support with your vehicle.
What is car leasing?
Car leasing is a way of renting a new car that involves paying a deposit, then a monthly fee for a set period – 36 or 48 months, for example. During this time, you can drive the car as much as stated in the contract. Depending on the terms, you may also benefit from servicing, road tax, and other benefits included.
Also known as Personal Contract Hire (PCH), once your car leasing contract period is up, you give the car back to the provider.
Car leasing is popular; according to the most recent statistics from the British Vehicle Rental and Leasing Association (BVLA), 141,491 PCH car contracts were running by the end of June 2019 – a year-on-year increase of 12%. According to Finance and Leasing Associationstatistics cited by Motor1, in 2019, 91% of all new cars were paid for through finance.
How does car leasing work?
The exact contract terms of your car lease will differ depending on the service you have chosen, but all the specifics will be provided to you prior to the lease starting. Typically, the main differences between how car leases work come down to:
- Contract length – 2, 3, or 4 years
- Annual mileage – 5,000, 8,000, 10,000, or 15,000 miles
- Upfront payment – 1, 3, 6, 9, or 12 months of the contract payment
Car leases often come with breakdown cover packages. However, if the car is damaged when you hand it back at the end of the contract term, you may be liable to pay the repair cost. Additionally, if you use more mileage than arranged in your contract, you’ll need to pay the difference.
How does car leasing differ from PCP?
Car leasing differs from Personal Contract Purchase (PCP) in that you don’t have the option to buy the car with a lump sum at the end of the contract period.
With PCP personal car leases, you have the choice to pay off some of the cost of the car during the contract period. You can then become the owner at the end of it, swap the vehicle for another, or leave the contract entirely.
Who can lease a car?
Wondering whether you can get a car lease? The answer depends on your circumstances, as different leasing businesses will have varying requirements. Applicants must typically have:
- A full and valid UK driving licence
- A good credit score
- Been a resident for 3 or more years
- Aged 18 or over
- Enough income to afford payments
The specific eligibility criteria for your car lease will be stated when you begin your application.
Is a car lease right for me?
Car leasing can be right for you if you want to own a brand-new car without having to pay an upfront cost. At the end of the term, you can move onto another new car – great if you like having the newest set of wheels possible.
Car leasing can be the right choice if you don’t have a lump sum of savings available to buy a car outright. It’s also important you have enough disposable income to cover the monthly costs and a stable income that will allow you to assuredly pay across the entire term.
Can I purchase the car at the end of the lease?
Yes, you may purchase the car at the end of the lease – to get a quote, call our team on 0344 472 1081.
Is it cheaper to buy or lease a car?
When it comes to getting a new motor, many wonder whether leasing a car is worth it or whether they should just buy a car.
The answer comes down to your personal circumstances. Leasing a car could be cheaper if you don’t have cash to pay for your car outright or for payments on a personal loan. Upfront costs could be lower than other forms of lending as well.
And factoring in other costs like vehicle tax and breakdown cover, the overall running costs through the lifetime of the car lease could also end up lower than if you owned outright.
To work out whether it’s cheaper for you to buy or lease a car, make sure to weigh up your options and compare the likely costs before you commit. That way, you’ll have an encompassing view of how much you’ll need to pay and be able to make a properly informed decision.
Why choose AA Lease?
AA Lease combines quality new vehicles, customisable contract terms, and a range of extra benefits to make your car lease the simplest it can be. Choose your terms quickly online, then change them once for free mid-contract if your circumstances change.
You can trust us to provide the service you expect. Since 1905, we have worked tirelessly to give UK motorists the safest and best possible experience when out on the road.
For a single monthly price with no hidden charges and a clear upfront payment, you get a brand-new leased vehicle with a wide range of AA Lease package benefits.
- Rental costs of your chosen car
- Vehicle tax
- Single change of term or mileage
- Free delivery and collection
- AA breakdown cover
From search to delivery online
AA Lease is flexible. Get the type of car you want, for between 2 to 4 years, and for the mileage you typically drive. All arranged from the comfort of your own home.
Choose your car, term, mileage and colour
Apply for your car lease online
If accepted, sign your contract online
Choose a time for your car to be delivered
Learn more about leasing
Want to know more about car leasing? Explore our range of helpful and straightforward guides which explain all the details to help you make the right choice.
Buy or lease a car?
More and more drivers are looking at leasing their next car instead of buying.
AA Lease is provided by LeasePlan UK Limited, which is authorised and regulated by the Financial Conduct Authority (FCA), Financial Services Register number 312989.
The AA is a trademark of the AA Group and AA branded companies, and is used with permission under licence to LeasePlan UK Limited. LeasePlan UK registered office: 165 Bath Road, Slough SL1 4AA. Registered in England and Wales number 1397939.
AA Financial Services Limited is a credit broker and not a lender.
AA Financial Services Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered in England and Wales number 912211.
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