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Company directors

It’s easy for personal debt or poor credit history to get tangled in your business’ affairs. Your Car Choice knows how to tackle this, so you’re free to finance a fleet of vehicles ...

We Supply all makes and models of car and van nationwide

When barriers are raised, we knock them down

Unfortunately, you may be denied the cash you need, simply because your own credit history gets called into question. But our experts take the wheel to find a solution that gets you access to affordable business vehicles – such as cars and vans – that are vital to your organisation’s growth.

Get an open road to leased vehicle finance.

Some providers turn their nose up at a director’s adverse credit rating, which (in their eyes) can suggest that your company will not be able to make the lease payments. Yet that shouldn’t block your path to the vehicle or vehicles you need. The company’s finances should be assessed on their own terms.

Our network of lenders, on the other hand, takes a much kinder view. Your Car Choice removes the focus on your personal situation and clears a path to a corporate vehicle lease. We’ll deal with a lending panel on your behalf, avoiding any sub-prime deals to keep you safe from a high-rate agreement.

In some cases, we can provide more context to your own credit, or advise on caring for the fleet itself. We adapt to your requirements. Most importantly, we’re discreet and committed to providing you with a suitable leasing contract.

Park up to a great decision

Confused by what to do? Uncertain whether to go for a purchase contract or a traditional leasing model?

We’ve compiled a couple of questions that should answer the basics. They cover funding, how we work, and what you can expect from a leasing agreement.

Most of our funders class a “New Start” company by one that has been trading for less than 12 calendar months, and is a registered limited company.

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Low Net Worth refers to

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We manage fleets of all different shapes and sizes. From small fleets of vans for a tradesperson, to a large fleet of 50 cars and vans for large multinational companies. Once we’ve completed our FREE fleet consultation we can then look at how we can maximise the potential of your existing fleet.

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You will know if you’re “fully committed” to another finance company as an extra request for vehicles has been denied. We have the widest variety of funders so can offer people who are fully-committed another route to finance.

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“Sub-Prime” refers to a particular type of lending. Someone who may be referred to as a “sub-prime borrower” is a person with either one or all of the following permutations; a poor credit score, CCJ’s (County Court Judgements) or someone who has missed payments on other financial agreements such as credit cards, store card or a mortgage etc. Sub-prime borrowers are more of a risk to finance houses, and the cost of borrowing is usually a lot higher for someone classed as “sub-prime”.

Also known as: “Back to Invoice GAP”, “VRI GAP” or “BTI GAP”.

In the event of an insurance write-off, the motor insurance company is only obliged to pay the ‘fair market value’ for the vehicle. RTI GAP Insurance pays the financial shortfall between the insured value and the greater of either the original purchase price of the vehicle or the outstanding settlement value on your finance agreement (subject to conditions).

Return to Invoice GAP is suitable for the following contract types:

Business Contract Purchase
Personal Contract Purchase (PCP)
Lease Purchase

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Also known as: ‘Finance GAP’.

In the event of an insurance write-off, the motor insurance company is only obliged to pay the ‘fair market value’ for the vehicle. This may or may not be sufficient to cover the amount required to settle off the Contract Hire Agreement. Contract Hire GAP Insurance covers this potential shortfall (subject to conditions).

Contract Hire GAP is suitable for the following contract types:

Business Contract Hire (BCH)
Personal Contract Hire (PCH)
Finance Lease (FL)

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We Supply all makes and models of car and van nationwide