Credit Checks


As part of being the amazing vehicle brokers we are offering you the cheapest car leasing deals around, we ensure to put in place with a responsible lender, a credit check on application for one of our lease deals is essential and not questionable. This is done to protect all parties involved: us, the finance company and, most importantly, you.


A credit check will not only ensure that you can afford the vehicle lease you are about to take out, it’ll also check any credit that’s already attached to your name – for example loans, credit cards, store cards etc. – along with the history of said accounts.

The credit check will analyse your credit history and profile along with the amount of credit you are able to utilise. If your payment history is good and your current credit limit is within your range of affordability, then you have a much better chance of being accepted.

Our credit partners

Motor Leasing T/A TwentyThree Car Limited are an FCA (Financial Conduct Authority) registered company we have to be responsible in our lending, which means that if your application is declined, this decision cannot be waivered.

If you think you have adverse credit, it’s best for you, and us, if you highlight this before proceeding. We will never discuss this with anyone else and all our conversations are private. This knowledge will allow us to carefully select a finance provider suitable to your needs before application, meaning your chance of being accepted could improve.

I’m not sure if I have a bad credit score, what should I do?

The best and easiest thing to do is use a site such as Totally Money that offer a free report, this way you can check your credit score without affecting it further. If you have late payments, CCJs or default accounts on your record then we’re sorry but it’s unlikely we’ll be able to help.

If you need any more information on credit, you have a question about leasing or wish to make an enquiry, don’t hesitate to get in touch with Motor-Leasing, today.

Any Questions? Contact Us