Who owns the cars?
We own all the vehicles. You are hiring the car for a fixed 3-month period. We retain ownership, the logbook (V5C), and a spare key throughout.
Do I need insurance?
Yes. You must arrange fully comprehensive insurance for the vehicle. You are also responsible for vehicle tax and your insurance cover for the duration of the agreement.
How old do I need to be?
You must be 18 or over and hold a valid full driving licence.
What documents do I need to provide?
You will need to prove where you live (for example with a recent utility bill) and show that you can afford the payments (typically with wage slips or bank statements).
Why is it only 3 months?
Each agreement is a fixed term of up to 3 months. This keeps the arrangement short-term and outside FCA consumer hire regulation. At the end of the 3 months you hand the car back. You can then apply for a new, separate agreement on a different car if you want to continue.
Can I get another car after 3 months?
Yes. Once the current agreement ends and the car is returned, you can apply for a new 3-month agreement on another vehicle. Each period is a separate contract.
Are you FCA regulated?
No. Because each agreement is a fixed term of 3 months or less with no option to extend that contract, it is not a regulated consumer hire agreement under the Consumer Credit Act. This short-term structure is exempt from FCA consumer credit regulation. The scheme is fully legal.
Are the cars reliable?
Yes. Every car is fully MOT’d, serviced, and covered by a manufacturer or dealer warranty before it is handed over.
Do you do a credit check?
No. We don’t carry out a credit check, so your credit history won’t hold you back. Instead we check who you are and look at your income and affordability documents to make sure the payments are right for you.
What are the main benefits?
- Access to a car regardless of credit history
- Fully MOT’d, serviced and warrantied vehicles
- Fixed 3-month term with a clear end date
- Option to choose a different car on a new agreement afterwards
- No long-term commitment
- Only one deposit to pay
Can I see a copy of the contract?
Yes. You can request a copy of the agreement before you sign. Call us on 01282 547430 or email [email protected].
How do payments work?
You pay a one-off deposit, followed by three monthly payments. At the end of the term you return the car and can pick another with no other deposit to pay.
- Cars with a cash price under £5,000: £399 deposit
- Cars with a cash price of £5,000 or more: £599 deposit
- Then 3 monthly payments of 6.5% of the cash price
Is this fully legal?
Yes. The agreements are structured as fixed-term short-term hires of 3 months or less, which is a lawful arrangement and exempt from FCA consumer hire regulation.
Is the deposit the same if I take another car?
No, your deposit is a one-off payment, so long as you continue to get another car straightaway. However, it is subject to review of your payments being made on time and the condition of the car when it is returned after the 3 months.