What is cinch Leasing?
cinch Leasing is a simple and flexible way to drive a brand-new car without the commitment of owning it. Instead of buying a car outright, you pay a fixed monthly rental for an agreed term and mileage allowance - known as Contract Hire. At the end of the agreement, you simply return the car.
Leasing vs Buying
How is leasing different from buying?
Leasing is similar to a long-term rental. You pay a monthly fee to use the car for a set period and then return it when the agreement ends. Buying means you own the car and can keep it, sell it, or part-exchange it whenever you choose.
Will I own the car at the end of my lease?
No. With a leasing agreement, the car is returned at the end of the contract.
Can I buy the car at the end of my lease?
Typically not. Most leasing agreements do not include an option to purchase the car when the contract ends.
How Pricing Works
Why is my leasing quote different from a friend's?
Every lease quote is personalised. Pricing can vary based on:
- The car you choose
- Your annual mileage allowance
- The length of your contract
- Your initial rental amount
- Any optional extras or services
Does the price ever change during my lease?
No. Once your lease agreement is active, your monthly payments remain fixed for the duration of the contract.
What counts as an extra?
Extras can include:
- Maintenance packages
- Enhanced delivery options
- Additional services linked to your car or agreement
Available extras may vary depending on the car and finance provider.
Contract Lengths
Can I change the contract length on my lease after ordering?
You can usually make changes before your agreement is activated. Once activated, the contract length cannot be changed.
Which contract term is cheapest on a lease?
Longer contracts often result in lower monthly payments, but the best value depends on the car, mileage allowance, and current offers.
Can I extend my lease?
In some cases, lease extensions may be available. This will depend on the finance provider's policies and approval.
What's Included
Is insurance included with cinch Leasing?
No. You'll need to arrange your own insurance cover before your car is delivered.
What does the manufacturer warranty cover with cinch Leasing?
The manufacturer warranty covers faults and defects as specified by the car manufacturer. Coverage and warranty periods vary between brands.
What's included in a maintenance package?
Maintenance packages typically cover:
- Routine servicing
- MOT tests (where required)
- Selected wear-and-tear items
Cover varies depending on the car and package selected.
Credit Checks
Will the credit check affect my score?
Yes. A hard credit check is usually required and may have a small temporary impact on your credit score.
What happens if I don't pass the credit check when applying for a lease?
Unfortunately, your lease application cannot proceed if credit approval is not granted. In some cases, the finance provider may offer alternative terms.
Can I apply again?
Yes. However, it's generally best to wait until your financial circumstances have improved before submitting another application.
Delivery Process
Can I choose the delivery date for my cinch Leasing car?
Yes. Once your car is ready, you'll be contacted to arrange a convenient delivery date.
Is delivery always free with cinch Leasing?
Delivery is often included, but charges may apply for certain cars or delivery locations.
Can someone else accept delivery for my cinch Lease car?
Yes. Another person can usually accept delivery on your behalf, provided they are present and able to sign for the car.
Making Changes to Your Order
How do I cancel before activation?
Simply contact the cinch Leasing team. If your agreement has not yet been activated, your order can be cancelled without early termination charges.
What are early termination fees?
If you end your cinch Leasing agreement early after activation, charges may apply. The amount depends on the finance provider and the remaining payments on your contract.
Can I change the car after ordering?
Yes, changes can usually be made before activation. Once your lease agreement is active, the car cannot be changed.
Mileage Limits
Can I increase my mileage during my cinch Leasing contract?
Sometimes. This depends on the finance provider and may result in an adjustment to your monthly payment.
How is excess mileage charged on cinch Leasing?
Excess mileage is charged at a fixed rate per mile. The exact cost will be detailed in your lease agreement.
What happens if I drive fewer miles than my allowance?
There is no refund for unused mileage at the end of your contract.
Need More Help?
If you can't find the answer you're looking for, our team is here to help. Get in touch and we'll be happy to guide you through your leasing options and agreement details.
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