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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.

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Skoda Fabia Hatchback

1.0 MPI 80 SE Comfort 5dr

Personal

£218.45 per month inc VAT

Initial rental: £1,966.03 inc VAT

Business

£182.04 per month exc VAT

Initial rental: £1,638.36 exc VAT

48 month term, 5000 miles

Special Offer

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Audi A1 Sportback

25 TFSI Technik 5dr

Personal

£255.64 per month inc VAT

Initial rental: £2,300.72 inc VAT

Business

£213.03 per month exc VAT

Initial rental: £1,917.27 exc VAT

48 month term, 5000 miles

Special Offer

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Kia Sportage Estate

1.6T GDi ISG 2 5dr

Personal

£240.34 per month inc VAT

Initial rental: £2,163.02 inc VAT

Business

£200.28 per month exc VAT

Initial rental: £1,802.52 exc VAT

48 month term, 5000 miles

Special Offer

In Stock

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Mazda Mazda3 Hatchback

2.0 E-skyactiv G Mhev Se-l Lux 5dr

Personal

£243.55 per month inc VAT

Initial rental: £2,191.97 inc VAT

Business

£202.96 per month exc VAT

Initial rental: £1,826.64 exc VAT

48 month term, 5000 miles

Special Offer

In Stock

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Vauxhall Mokka Hatchback

1.2 Turbo Elite Premium 5dr

Personal

£267.76 per month inc VAT

Initial rental: £2,409.80 inc VAT

Business

£223.13 per month exc VAT

Initial rental: £2,008.17 exc VAT

48 month term, 5000 miles

Special Offer

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Mazda Cx-30 Hatchback

2.0 E-skyactiv G Mhev Gt Sport 5dr Auto

Personal

£291.56 per month inc VAT

Initial rental: £2,624.08 inc VAT

Business

£242.97 per month exc VAT

Initial rental: £2,186.73 exc VAT

48 month term, 5000 miles

Special Offer

In Stock

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Cupra Formentor Estate

1.5 Tsi 150 V2 5dr

Personal

£300.35 per month inc VAT

Initial rental: £2,703.13 inc VAT

Business

£250.29 per month exc VAT

Initial rental: £2,252.61 exc VAT

48 month term, 5000 miles

Special Offer

In Stock

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Mercedes-Benz Glb Estate

GLB 200 AMG Line 5dr 7G-Tronic

Personal

£392.30 per month inc VAT

Initial rental: £3,530.74 inc VAT

Business

£326.92 per month exc VAT

Initial rental: £2,942.28 exc VAT

48 month term, 5000 miles

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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.

Personal Car Leasing FAQs

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

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

Browse through the personal lease deals on our website to find the best vehicle for you and submit an enquiry.
Once we receive your enquiry, one of our highly experienced leasing consultants will be in touch to discuss your specific requirements.
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.
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.
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.
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.

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

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.

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.

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.

Personal Car Leasing Guides

See below for some useful information about car leasing.

Whether you buy a car outright or opt for a lease car, there’s running costs to consider. With car leasing, it's not only the monthly payments you should consider as your car leasing costs. Therefore, we've decided to explain in detail the cost to lease a car, including potential expenses above your monthly payments which you need to budget for during the lease agreement.

Click here to read our full article.

Finding the ideal vehicle for you is exciting to say the least. However, it is also a big decision which you should take your time to make. Often a vehicle is one of the most valuable possessions you own so here are some of the main factors to consider when choosing a new vehicle.

The best city cars are small, affordable and offer low running costs. If you’re looking for a small car for nipping around town and driving in tighter spaces, then a city car lease might be ideal for you. Also, city cars often appeal to new drivers who simply want an affordable car which is cheaper to run and insure than larger cars. If this sounds like you then keep reading for our selection of the best city cars to lease.

Personal Car Leasing News & Reviews

Keep up to date with the latest news and car reviews from GB Vehicle Leasing by viewing our blogs below.

Currently, a global lack of microchips has meant delays and shortages in the supply of new cars. This is a challenging time for the auto industry and stock has become very limited. Meanwhile, the surge in demand for stock cars has resulted in inflated used car prices. Usually, in September used car values dip as demand is lower because more people choose the new car, new reg plate option instead. However, that hasn’t been the case this year as stock cars are in huge demand.

What does this mean for customers? Well, click here to read our blog and find out.

First launched in 2019, the Skoda Kamiq is now one of the greatest small SUVs on sale. Sized under the mid-sized Skoda Karoq, the Kamiq is Skoda’s smallest SUV model. Although, as more small SUVs get added to the market, the Skoda Kamiq has a number of tough rivals, So, what makes this stand out from other rivals in the leasing market? Read our Skoda Kamiq review to find out.

Over recent years, there has been a surge in demand for SUVs in the UK. With a wide range of SUVs to choose from, there’s a car to suit almost every budget. But if you’re unsure whether or not an SUV is the kind of car for you, then click here to find out.

Personal Car Leasing & Personal Contract Hire

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