Personal Car Leasing Options
If you love driving the latest models but hate the hassle and commitment of buying, personal car leasing could be exactly what you’re looking for. More and more UK drivers are turning to leasing as a smarter, more flexible way to enjoy brand-new cars without the long-term costs. At National Vehicle Solutions, we specialise in helping everyday drivers get behind the wheel of top-brand vehicles with fixed monthly payments and no surprise bills. It’s simple, affordable, and refreshingly hassle-free.
With a personal lease, also known as Personal Contract Hire (PCH), you simply choose your car, agree your mileage and contract length, pay an initial rental, and drive away. At the end of the lease, just hand the car back—no worrying about selling or depreciation. It’s the ideal solution if you want a reliable vehicle, fixed costs, and the freedom to change cars every few years. From sporty hatchbacks to practical SUVs and cutting-edge electric cars, we’ve got hundreds of personal lease deals to suit your budget and lifestyle.
One of the biggest advantages of leasing is how predictable it makes your motoring. Your lease includes road tax and full manufacturer warranty for the entire term, so you can drive with complete peace of mind. Many customers choose to add a maintenance package too, covering servicing, tyres, and more—taking the stress right out of car ownership. Plus, with National Vehicle Solutions, you’ll get access to exclusive deals on stock and factory order vehicles across big-name brands like Audi, Volkswagen, SEAT, CUPRA, BMW, and more. We do the legwork, you enjoy the savings.
Ready to make the switch? Whether you’re new to leasing or already know what you want, we’re here to guide you through the process with honest advice and no pushy sales tactics. Our team will help you find the perfect personal lease deal, tailored to your needs. And because we’re a trusted broker, not a dealership, you get access to competitive prices across multiple funders—all in one place. So, if you're looking for a better way to drive new without the financial headache of buying, personal leasing with National Vehicle Solutions is the way forward.
363 models
Personal Car Leasing Options
As I’ve been in the Motor trade for nearly 18 years now, I’m always surprised by how many people think that personal car leasing options just for business customers only. It’s amazing at how many people believe that a PCP (Personal Contract Purchase) is the option closest to a business lease. Having said that when you visit a showroom, automatically the Salesman will qualify you and your financial budget and match you to a PCP plan as opposed to offering a Personal contract hire rental. It’s only been the last few years that manufacturers have advertised their contract hire rentals to personal customers on leaflets and national television.
Leasing Options for personal customers too
When you take a vehicle on contract hire, the vehicle is bought by the funder. The vehicle is then registered to them – a business, meaning that they can reclaim tax relief from HMRC by using the write down rule. They also purchase the vehicle at a heavily reduced rate, they receive far more discount and favourable terms with buying so many vehicles from the manufacturer. Businesses have been choosing the business car leasing for years, as it frees up their capital. We're seeing a massive increase in personal lease deals. I often come across the argument of “but you never own the car, why would you pay so much for a car that you don’t own?” To say this comment is green is an understatement. If you read the terms and conditions of a finance agreement – many, don’t they just skip past the repayment and APR part and go straight to the signature part excitedly. Well, if you did read the terms and conditions, you’d see that until you pay the final payment on a Hire agreement that you don’t legally own the vehicle despite the logbook being in your name. If you’ve ever watched programmes with bailiffs such as pay now or we’ll take it away, you’ll have heard them say on several occasions that an invoice proves proof of ownership and not the logbook. Anyway, my point being is that have they ever owned any car that they’ve bought via a finance agreement? Most people will take a hire agreement over 5 years or a PCP over 3 with the balloon at the end still to pay. Who has kept their car past the point of finance being owned and if so at that point, it’s now an old car out of warranty that is usually starting to cost more from a maintenance perspective? You’ve usually paid at least £80 plus more per month for the logbook, to be in your name?! Okay, so you may ask whys such a difference, well; there’s several reasons. Firstly, you buy a vehicle as an individual so pay the VAT levy at the prevailing rate, which is currently 20%. Whereas the funder (a business that is VAT registered), uses the write-down rule each year to minimise taxation and then at the end of the contract sell the vehicle as VAT qualifying to a Dealership or via an Auction. The funder also purchases the vehicle for much less than a consumer would who purchases one vehicle every few years. Your contract hire rental is calculated using the purchase price of the vehicle and the expected resale value of the vehicle at the end of the contract. You just pay the part in between. Whilst you’d like to believe that if you purchase a vehicle via PCP or HP that you’d have a little equity in the vehicle after 3 or 4 years, have you ever known anyone make money from a depreciating asset other than a Dealership?
Personal car on lease
So, what’s included with your personal car on lease? You can take a personal lease on a non-maintained or fully maintained basis, the cost of course will vary. Road fund license is included at the prevailing rate. Just like the VAT is also included, you must be aware that it is at the prevailing rate and the time of taking delivery. Should the chancellor decide to increase VAT which to be honest is expected at some point to help repay the debts created due to the Covid-19 pandemic, then you are responsible for the increase as the funder can’t control the tax levy set by the Government. The vehicle of course has already been purchased so it’s the VAT on the monthly repayment and not the cost of the car.
Personal Contract hire is a good financially viable way to drive a brand-new car every 3 to 4 years and keep your repayments as low as possible. Just like any other financial agreement, it is subject to credit checks and will appear on your credit report. Leasing cars has become more popular over the last 10 years, as private individuals discover that it's a way to drive a better trim vehicle at a far more affordable cost.
What our customers say...
Stephen Oyston The knowledge support and feedback was first class
Took a lease deal on an Audi A6 back in 2016, cracking deal, great service all round and never left a review. Recently faced with having to get a deal in a very short time frame, I ended up dealing with Lynn and Simon at NVS, as they came up with the best deal on another Audi but this time an A5 Sportback. Very quick response times to all communications which helped in getting the car ahead of schedule. The knowledge, support and feedback was first class and made the whole process a doddle. Thanks Lynn and Simon, so pleased with the car, its incredible.
Leased a Audi A5
Kelly Harvey we got very personal and professional service.
We have just taken delivery of our new lease car from NVS. Everything from beginning to end was smooth and communication was excellent. We were initially going to go with one of the bigger more well known lease companies but NVS prices were most competitive and any initial questions/concerns we had were answered immediately so we were reassured and actually the size was a benefit as we got very personal and professional service.
Leased a Volkswagen Tiguan
Very pleased with my experience with NVS. Regular updates and great deals. Simon and Lynn have been very helpful!
Leased a Cupra Leon