Why lease a car or van from Kappa Car Leasing as an individual?

  • All our cars come with full manufacturers warranty included and a minimum of 1 year’s roadside assistance, including breakdown cover.
  • We include road fund licence for the entire length of contract hire agreements.
  • All of our vehicles are supplied from the manufacturer or franchise retailer direct.
  • We can include delivery of any new vehicle to your home or work address (UK mainland).

More information about leasing

  • A lease contract has what’s called an initial payment or rental, which is then followed by regular monthly payments over the term of the lease.
  • If you choose a 3 year contract (which is 36 months), in your first month in this example you would pay £600 as initial payment then for the next 23 months you would pay £200 per month, this particular contract would be known as a 3 + 35 contract because you’re paying 3 times the monthly rental at the beginning then 35 monthly payments of £200 per month. The total cost of the contract becomes £7600 over 3 years.
  • How you structure the contract is partially up to you, the lease will cost roughly the same amount over the 3 years (interest charges will vary depending on the amount of money you borrow), the bigger the initial payment you make, the lower your monthly rental. 

Never leased a car before? No problem, let us take you through the process!

  • First, select the car you are interested in.
  • Structure the contract
    • Choose the length of the contract – 2, 3 or 4 years
    • Select the annual mileage you’re likely to travel – If you go over your total contracted mileage you will be charged an excess mileage charge (varies on each vehicle)
    • Decide on the Initial payment – This is the amount you can afford to put upfront, this is usually taken by direct debit 3-10 working days after delivery.
  • Once you’re happy with the quotation and you want to proceed with placing an order the first stage of the process is for you to complete the Finance Application, this is then put forward to the finance provider.
  • Once approved we will send you an order form along with our booking fee invoice.
  • When you sign and return the order form and pay the booking fee, we will then secure or order your car, depending on if it is from stock or built to order.
  • Once the supplier has confirmed the order, we will send you confirmation, along with approximate delivery timescale.
  • The next stage is for us to provide your finance agreement, which must be signed and returned.
  • Once the dealership or supplier (if coming straight from the manufacturer) provides us with the earliest delivery date we will let you know and you can inform us of any special delivery instructions. We then confirm these and track your car until delivery. 
  • Your finance agreement is typically started on the day of delivery which means the initial payment will be taken in the next 3 – 10 working days (we advise all our customers to have this in their bank as per details on the Direct Debit upon the day of delivery)
  •  The first monthly repayment will be taken one month after delivery (If delivery was made on the 15th of the month the first monthly payment will be taken the 15th of the next month)
  • If you need to change payment dates please contact us and we will provide the contact details of the finance company or make these changes for you.

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