Vehicle Leasing & Finance Products


G2L understands that choosing the right vehicle can be hard to find but finding the right finance options can be even harder. That's why we offer our customers various finance options to best suit their leasing needs.

Learn more about the finance options we can offer both personal and business customers below.


Leasing products for business customers

Contract hire is a long term rental agreement and is the most common type of lease available in the UK. It will benefit a customer who is seeking to remove assets from a balance sheet, eliminate the financial risk associated with disposing of the vehicle and enjoy the convenience of a full maintenance service, at a fixed monthly cost.

  • Fixed rentals for the whole package, making budget planning easier
  • The vehicle appears off the 'balance sheet' as it is owned by the leasing company
  • Maintenance of vehicles can be included in monthly rentals and so spread the cost
  • No financial risk associated with disposing of the vehicle
  • Road fund license is provided for the full term of the contract

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Structurally similar to contract hire, contract purchase enables the customer to make fixed monthly payments. However, with contract purchase the customer has the option of retaining the vehicles at the end of the contract.

Key features and benefits include:

  • Similar benefits to contract hire regarding fixed payments and flexible terms
  • Maintenance and added value services can be included
  • The option to retain the vehicle at the end of the contract - without depreciation risks

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A business operating lease is a cost-effective way of financing a new vehicle for a business individual.

The key benefits of an operating lease include:

  • Eliminates capital expense
  • Provides an additional line of credit
  • Fixed monthly rentals which can help you set up and manage your budget
  • The vehicle does not need to be disclosed as an asset on the business balance sheet
  • VAT can be reclaimed, depending upon what it is used for and if you, the customer is VAT registered
  • The vehicle can be returned to the finance company at the end of the lease period

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Finance lease is a popular funding option for commercial vehicles where contract hire is not suitable - Cars can also be financed as well.

  • Fixed, low monthly payments and flexible terms
  • Monthly rentals can be lowered further through the introduction of a balloon rental at the end of the contract
  • Although you will not own the vehicle, you would receive 98% of the sale proceeds. Where a balloon has been introduced, these proceeds are utilised to help clear the rental.

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A lease purchase is an affordable solution of buying a vehicle when your business doesn't have the immediate finances to do so.

The key benefits include:

  • Vehicle is retained by the business as an asset
  • Vehicle can appear on the balance sheet and it's value can be written against taxable profits
  • Fixed monthly payments
  • Can free up finance
  • Vehicle is owned by your business at the end of the contract term and once the final balloon payment has been settled.

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Leasing products for personal customers

This finance option will benefit a personal individual who is seeking to eliminate the financial risk associated with disposing of a vehicle and enjoy the convenience of a full maintenance service (if requested), at a fixed monthly cost.

  • Fixed monthly rentals for the whole package, making budget planning easier
  • Low initial payment - typically 3 monthly payments
  • None of the depreciation risks associated with ownership
  • Access to more 'upmarket' vehicles - with a personal contract hire deal, you could afford a car that would otherwise be too expensive
  • Maintenance of vehicles can be included in monthly rentals and so spread the cost

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Personal Contract Purchase Again, structurally similar to personal contract hire, personal contract purchase enables the customer to make fixed monthly payments. However, with personal contract purchase the customer has the option of retaining the vehicle at the end of the contract.

  • Similar benefits to personal contract hire regarding fixed payments and flexible terms
  • Maintenance and added value services can be included
  • The option to retain the vehicle at the end of the contract - without depreciation risks

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A personal operating lease is a financially sound way of financing a new vehicle as a private individual. The benefits of a personal operating lease can be found below.

  • Fixed monthly rentals allow you to keep to and manage your budget.
  • A personal operating lease provides an additional line of credit.
  • The vehicle is simply returned to the finance company at the end of the contract term.
  • You get to change your vehicle every 2,3 or 4 years depending upon the contract term.
  • The vehicle is registered to you, the customer.

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