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21st Jul 2017 - Order Process - 1: Choose Vehicle 2: Apply for Finance 3: Place an Order 4: Take Delivery
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Personal Vehicle Leasing

TFS offer a personalised service to people looking to lease a vehicle for personal, domestic and leisure use.

Here at TFS you will find an extensive range of vehicles suitable for every professional, family size, couples and individuals alike.  Once you have chosen the vehicle you prefer, submit a no-obligation application form and a personal vehicle leasing specialist will contact you to discuss the finance options available to your criteria.

You will receive a full and impartial personal car leasing broker service with all the advice you need from help with choosing the right vehicle for your personal requirements to arranging a suitable finance option and ensuring your chosen car is delivered to your doorstep in the condition you expect.

If you have already done your research you can start by taking a look at the featured personal lease cars offered below listing the top UK deals available on the range of vehicles in stock with indicative prices.

Special deal
Business contract hire Citroen C3, Hatchback
Citroen C3 Hatchback
1.2 PureTech 82 Feel 5dr
£92.58 + VAT monthly rental
£833.22 + VAT initial rental
Business contract hire
Contract term: 18 months
Rental profile: 9 + 17
Annual mileage: 8000
1.2 litre Petrol Manual
+ compare
Special deal
Business contract hire Nissan Juke, Hatchback
Nissan Juke Hatchback
1.6 Visia 5dr
£101.67 + VAT monthly rental
£915.03 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 8000
1.6 litre Petrol Manual
+ compare
Special deal
Business contract hire Peugeot 108, Hatchback
Peugeot 108 Hatchback Special Editions
1.2 PureTech Collection 5dr
£101.99 + VAT monthly rental
£611.94 + VAT initial rental
Business contract hire
Contract term: 22 months
Rental profile: 6 + 21
Annual mileage: 10000
1.2 litre Petrol Manual
+ compare
Special deal
Business contract hire Mercedes-Benz A Class, Hatchback
Mercedes-Benz A Class Diesel Hatchback
A180d Sport 5dr
£163.84 + VAT monthly rental
£1966.08 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 12 + 47
Annual mileage: 5000
1.5 litre Diesel Manual
+ compare
Special deal
Business contract hire Audi A6, Saloon
Audi A6 Diesel Saloon
2.0 TDI Ultra SE Executive 4dr
£172.95 + VAT monthly rental
£1556.55 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 8000
2 litre Diesel Manual
+ compare
Special deal
Business contract hire Audi A4, Saloon
Audi A4 Saloon
1.4T FSI Sport 4dr [Leather]
£154.66 + VAT monthly rental
£1391.94 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 8000
1.4 litre Petrol Manual
+ compare
Special deal
Business contract hire Mercedes-Benz C Class, Saloon
Mercedes-Benz C Class Diesel Saloon
C220d 4Matic AMG Line 4dr Auto
£254.08 + VAT monthly rental
£2286.72 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 10000
2.1 litre Diesel Automatic
+ compare
Special deal
Business contract hire Peugeot 208, Hatchback
Peugeot 208 Hatchback
1.2 PureTech 82 Allure 5dr
£111.99 + VAT monthly rental
£671.94 + VAT initial rental
Business contract hire
Contract term: 22 months
Rental profile: 6 + 21
Annual mileage: 10000
1.2 litre Petrol Manual
+ compare
Special deal
Business contract hire Mercedes-Benz C Class, Cabriolet
Mercedes-Benz C Class Diesel Cabriolet
C250d AMG Line 2dr Auto
£299.99 + VAT monthly rental
£2699.91 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 10000
2.1 litre Diesel Automatic
+ compare
Special deal
Business contract hire SEAT Leon, Hatchback
SEAT Leon Hatchback
2.0 TSI Cupra 300 5dr
£176.40 + VAT monthly rental
£1587.60 + VAT initial rental
Business contract hire
Contract term: 24 months
Rental profile: 9 + 23
Annual mileage: 8000
2 litre Petrol Manual
+ compare
Special deal
Business contract hire MINI Hatchback, Hatchback
MINI Hatchback
1.5 Cooper 5dr [Pepper Pack]
£152.95 + VAT monthly rental
£1376.55 + VAT initial rental
Business contract hire
Contract term: 36 months
Rental profile: 9 + 35
Annual mileage: 8000
1.5 litre Petrol Manual
+ compare
Special deal
Business contract hire Nissan Qashqai, Hatchback
Nissan Qashqai Diesel Hatchback
1.5 dCi N-Connecta 5dr
£143.63 + VAT monthly rental
£1292.67 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 9 + 47
Annual mileage: 8000
1.5 litre Diesel Manual
+ compare
Special deal
Business contract hire Volvo XC60, Estate
Volvo XC60 Estate
2.0 T5 Momentum 5dr AWD Geartronic
£287.00 + VAT monthly rental
£2583.00 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 9 + 47
Annual mileage: 8000
2 litre Petrol Automatic
+ compare
Special deal
Business contract hire SEAT Ibiza, Hatchback
SEAT Ibiza Hatchback
1.0 S 5dr
£107.01 + VAT monthly rental
£963.09 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 9 + 47
Annual mileage: 8000
1 litre Petrol Manual
+ compare
Special deal
Business contract hire Kia Sportage, 4x4
Kia Sportage Estate
1.6 GDi 1 5dr
£138.44 + VAT monthly rental
£1245.96 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 9 + 47
Annual mileage: 8000
1.6 litre Petrol Manual
+ compare
Special deal
Business contract hire Mercedes-Benz GLC, Estate
Mercedes-Benz GLC Diesel Estate
GLC 220d 4Matic SE 5dr 9G-Tronic
£298.72 + VAT monthly rental
£2688.48 + VAT initial rental
Business contract hire
Contract term: 48 months
Rental profile: 9 + 47
Annual mileage: 10000
2.1 litre Diesel Automatic
+ compare

Finding the best deals on personal lease cars

TFS offer a huge choice of personal lease cars with a variety of options, monthly budget and contract terms.

To get an overview of what's popular you can start with visting our best personal lease car deals and then refining your search by choosing your favourite make and model or using our comprehensive search filters to display all the latest cars are available and click on compare to make a list of all the vehicles within your budget, term of lease and technical requirement. 

Once you have shortlisted the best cars of your choice you can easily decide which deal is suited for your personal use and submit an application form to start the finance process.

Vehicle Finance Options

For further information on the finance options available please continue to read below where we have highlighted the key differences and important points to bear in mind when deciding on the type of lease that may suit you.


1. Personal Contract Hire and Leasing

As the name suggests Personal Contract Hire (also known as personal leasing) is simply contract hire but for individuals

Personal Contract Hire (PCH) or Personal Lease (PL) is based on a fixed term contract where customers pay an agreed monthly charge for the use of a vehicle for a previously agreed period.

Key Benefits

  • Minimum capital expenditure
  • Accurate monthly budgeting
  • Improved cash flow
  • Fixed interest rates
  • Rentals can be offset against the businesses profits. Cars with a CO2 output above 130g/km are currently subject to a 15% disallowance on the amount of the rental that can be claimed against the businesses taxation, for contract-hired cars with a CO2 output of 130g/km or below, there is currently no disallowance.
  • Reduced administration
  • On-going advice and support
  • Road Fund Licence provided (vehicle excise duty paid) for duration of contract
  • Optional maintenance package
  • Optional breakdown rescue cover
  • Optional replacement vehicle cover in event of breakdown
  • Optional GAP insurance which provides cover for the shortfall between the outstanding finance and the insurance value if the vehicle is declared a write-off by your insurance company

Important things to consider

  • Vehicle must be returned in a well maintained condition
  • Early termination can be expensive
  • You must have fully comprehensive vehicle insurance
  • You will never own the vehicle

Useful Information on Personal Contract Hire & Leasing

It benefits customers wishing to eliminate the financial risk associated with disposing of a vehicle. Personal leasing contracts are usually taken over two, three or four years, providing a high level of flexibility. Some contracts can be formally extended beyond the end of contract date if required. Just ask and we can answer any of your questions regarding extending your contract.

Applying for a Personal Contract Hire car may not be as difficult and daunting as you think.  It can be simple if you understand the key details.  PCH is based on a fixed annual mileage agreed on inception of a contract. You will need to decide how many miles you drive each year before quotations can be obtained. Once you have stated how many miles you drive in a year and considered which vehicle you would like to lease a quote can be created for you by one of our sales team.

Regulations with regard to making mileage amendments after contracts are live vary from funder to funder, so it is always better to be as accurate as you can be. If you do exceed the agreed allowance at the end of your contract you will pay an excess mileage charge, which will have been agreed upon prior to signing the finance agreement.

Please remember this when deciding upon you annual mileage. If you are looking to have predictable motoring costs adding maintenance to your monthly payment is easy. Maintenance is there to put your mind at rest should any challenges arise with your vehicle and generally covers servicing, routine maintenance, tyres, exhausts and batteries.

Please note that it is responsibility of the person named on the finance agreement to arrange and pay for fully comprehensive insurance for the vehicle. It is important that the vehicle is returned in accordance with the guidelines set out in the 'Fair Wear and Tear Guide', a copy of which is made available to customers when they are near the end of their PCH agreement.


2. Personal Contract Purchase

Personal Contract Purchase (PCP) is a type of vehicle finance agreement for personal customers looking to fund a new or used vehicle in a manageable way

The monthly payments are not subject to VAT, however if you do take out the optional service package then you will have to pay VAT on the service costs.

Key Benefits

  • Low initial payment
  • Fixed monthly payments
  • You may be able to refinance the balloon payment
  • No depreciation concerns if you wish to walk away at the end
  • Maintenance and servicing can be included
  • Fixed balloon or guaranteed future value to purchase payment when you first take out the contract
  • Cost effective
  • Can be used to finance new or used vehicles

Important things to consider

  • You will have to make a decision at the end of the contract as to whether you wish to sell the vehicle, return it or Keep it - this is often seen as an advantage to most people.
  • You must have fully comprehensive vehicle insurance

Useful Information on Personal Contract Purchase:

Personal Contract Purchase (PCP) is ideal for any individual who would like options at the end of their finance agreement. PCP customers make an initial payment when they first take out the contract, then pay fixed monthly payments and finally have an Optional Final Payment (OFP) at the end at the end of the contract which is also referred to as the GFV (Guaranteed Future Value).

You can trade in or sell your vehicle at a dealership and take another vehicle from them. If the trade in value is larger than the OFP you will be able to use the difference towards a deposit on a new vehicle. Or, you can simply return the vehicle to the funder, as long as you have not exceeded the mileage and the vehicle is in an appropriate condition for its age there will be no charge. Finally, you can keep the vehicle either by paying the OFP in full or you will find that most companies offer the opportunity to re-finance the OFP.


3. Lease purchase

Lease Purchase is for people who would like to own a vehicle but do not necessarily have the money to buy one immediately.

Lease Purchase is another type of vehicle finance which is ideal for non VAT registered customers who eventually wish to take ownership.

Key Benefits

  • Low initial payment
  • Fixed mileage contract
  • Ideal for non-VAT registered customers who want eventual ownership of the vehicle
  • Effective budgeting with balloon facility, ownership of the vehicle is acquired once the balloon has been paid in full at the end of the contract
  • Monthly payments are not subject to VAT
  • The vehicle will become a company asset
  • Lease Purchase frees up finance for other aspects of your company
  • The vehicle will appear on your balance sheet and you can record the value against taxable profits

Important things to consider

  • The balloon payment must be paid for at the end of the contract
  • The vehicle is yours once you have paid the balloon payment. In some cases the balloon can be higher than the residual value
  • Dedicated funding product, which does not include maintenance or any other value added services
  • You must have fully comprehensive vehicle insurance

Useful Information on Lease Purchase

It is a flexible product and it is possible to put down a larger initial payment, which has the advantage of reducing the monthly payments. The monthly cost is worked out on the difference between the retail value and the depreciation value plus interest. This means that choosing Lease Purchase for a vehicle which holds its value will work out in your favour.

The main difference between Lease Purchase and Contract Purchase is that instead of having the choice at the end of the contract to purchase the vehicle, which you would have with Contract Purchase, you have already entered into a contract to purchase the vehicle at the end of the contract with Lease Purchase.

This contract is only for those who are absolutely sure that they want to take ownership of the vehicle at the end of the contractual period, and pay any balloon payments attached to the contract. Lease Purchase agreements typically last between 2 and 4 years although the agreement can be settled at any time throughout the contract.

What's Next?

Now that you know more about personal vehicle leasing you can now start browsing all the great deals available on personal contract hire lease cars through TFS and apply for finance today.

If you can't find anything that suits you please don't hestitate to call us on 0800 910 1111 and speak to a leasing specialist that will help you locate a car and arrange a finance deal according to your requirements.

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