5 ways to get a car lease as an Expat in the UK

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Expat Car Lease
  1. If you’ve got a gap in your UK address history, don’t apply for lots of finance. This can seriously go against you and be wary of dealers who say they have a panel of finance firms, one car quote could lead to 3–5 credit checks. Use a specialist.
  2. Search online for Expat Car Leasing or Expat Car Lease — You will then bring a list of search results of specialists who can help you, they will advise the best approach.
  3. Try something on a short term basis. Short Term Car Leases are usually underwritten on more favourable terms. Guarantees, deposits or higher initial payments may be required, but it gets your foot on the ladder.
  4. Car Subscriptions from the likes of Expat Cars, Subscribe & Drive or Flexigo Cars are a great start for Expats, it also gives you the ability to pause, upgrade or downgrade easily. Think of it as Netflix for motoring.
  5. Speak to your own UK bank, many of these offer their own leasing programs now and so long as you’ve looked after your UK bank account, then there should be no reason why they can’t help you.
  6. Don’t opt for companies that off “No Credit Check Car Leases” and avoid those with a heavy, un-natural following on places like Tik-Tok and Instagram, there are so many horror stories where customers lose money due to scam companies.
  7. Always read the companies Google or Trustpilot reviews, they give you a great understanding of the business as a whole and look at if the customer has reviewed just after delivery or if they have completed a contract with that company.
  8. Read the terms and conditions, if you time in the UK may end early, don’t tie yourself in. Read about additional charges during your contract and see what the fee’s are for dealing with parking or speeding tickets.
  9. Always check over your vehicle before signing any handover paperwork. Take plenty of photos and video where required, get on your hands and knees and look under the front and rear valance.
Set of Car Keys with a Cocoon Vehicles Logo
Credit: Cocoon Vehicles

What about Overseas Workers coming to the UK?

Overseas workers coming to the UK, may find themselves in the same boat, but what can you do to get a car lease?

Companies That Offer Expat Car Leases

Additional Reading…

About Rhys Adams

I am a Director of a Contract Hire & Leasing firm in the UK, its called Cocoon Vehicles. It was set up by ex-dealership staff who wanted to offer a different experience. When the UK credit crunch hit, Cocoon’s short term solutions grew with the help of Lombard Asset Finance.



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Rhys Adams

Rhys Adams

I live in a beautiful town called Belper on the edge of the Peak District with my wife Rebecca. I enjoy writing, photography and gadgets.