The Synergy Car Leasing Guide

Within our Leasing Basics Guide there is a wealth of information about vehicle leasing. 

Our friendly and knowledgeable team are also on hand to answer any questions or queries you may have. Contact Us

How Does Leasing a Car Work?

Leasing contracts are available for both private individuals & businesses, with both Personal Contract Hire (PCH) agreements & Business Contract Hire (BCH) agreements available.

You can lease a brand-new car in the make & model of your choice, decide the length of the agreement, the initial payment amount you would like to make & annual mileage allowance.
At the end of the lease agreement, simply return the car by arranged collection. You then have the option to begin a new contract on another brand-new car with new contract terms if you wish. There’s no need to worry about depreciation or selling the car.

As you are not paying the cost of owning the car & hand it back at the end of the lease agreement, the initial payment & subsequent monthly repayments are often much more affordable than the cost of owning a car. This may mean that car leasing is cheaper than buying a car.

All cars leased via Synergy Car Leasing benefit from manufacturer’s warranty, road tax & breakdown recovery. These terms vary by manufacturer.

How Does Business Car Leasing Work?

Business car leasing for the most part works in the same way as regular leasing. The main differences with business leasing are that advertised prices exclude VAT as the VAT payment can be reclaimed if the business is VAT registered. When completing an application for a business lease vehicle, information about the business’ history, financial status and the owner/director’s information will be required.

Why Lease with Synergy Car Leasing?

You’re in safe hands with Synergy Car Leasing. Established since 2006, we offer all makes and models of cars and vans, have achieved the Gold Trusted Service Award from Feefo for over 5 consecutive years, are 5 Star Rated by our clients and were voted Leasing Broker of the Year 2018-19 by the Leasing Broker Federation!

Is It Easy to Lease with Synergy Car Leasing?

Leasing a car with Synergy Car Leasing is an easy, hassle-free process. Synergy has designed our leasing process to be a smooth experience, with an easy online application meaning you can browse available deals and submit an application at a time convenient for you.

Synergy’s customer-friendly operating hours (Weekdays: 7am-9pm, Weekends: 1pm-9pm) mean that one of our friendly Account Managers are on hand should you need any help or have any questions. For many documents, an e-signature facility enables easy online return of documents, meaning they can be returned online and via email.

The final step, delivery, is just as simple and quick - Synergy offers free mainland UK delivery to your home or work address.

How Do I Choose Contract Terms & Mileage Allowance?

Simply decide the length of the lease contract based on how long you would like to keep your car - usually 2, 3 or 4 years, split into monthly repayments.

You can also choose your initial rental amount, which is an upfront payment that is usually the equivalent of between 1 to 12 months rental payments. The higher the initial rental, the lower the monthly repayments. However, the cost of the lease is fixed based on the contract term, so there is no overall discount for a higher upfront initial rental. This payment is part of the lease and is not refundable. More and more customers are taking advantage of low initial rental payments, rather than other forms of finance.

To choose your mileage allowance, think about how many miles you drive in an average week and then estimate how many miles this will total over a year.

How Much Does It Cost to Lease a Car?

The cost to lease a car varies depending on the make and model of the car, the contract terms chosen, whether any additional features and options are added to the agreement or if there is a special offer available for the car. At Synergy we have lease deals available to suit a range of budgets and requirements however, often starting from as little as £150-£250 per month inc. VAT (subject to availability).

How is my Leasing Agreement Funded?

We have strong, established relationships with a carefully selected panel of blue-chip vehicle finance providers, allowing us to search the market for the best finance package for your needs.

In order to qualify for our leasing contracts, you will need to be accepted by one of our finance providers. They normally look for a “good or “excellent” credit rating to protect themselves from risk and ensure that all the payments on the lease car will be made, as per the leasing agreement. They may also check affordability. If you have any concerns about your credit rating, please talk to a member of our friendly Synergy Car Leasing team for more information.

Can I Lease a Car with Bad Credit?

Although you do not need a perfect credit score in order to lease a car, having good credit certainly helps. In most cases, having a credit rating of ‘good’ or ‘excellent’ will enable you to secure the best deals and rates.

What is Included with a Lease Car?

All cars supplied by Synergy Car Leasing benefit from manufacturer’s warranty and depending on the type of leasing agreement, vehicle road tax will usually be included for either the first 12 months of the contract or the entire term.

For peace of mind, you can opt for a maintenance package to cover all regular servicing and maintenance during the term of the lease for one convenient monthly payment. There are also different types of tyre cover available, depending on your needs, in addition to extended roadside assistance and breakdown cover.

A commonly asked question is, ‘Does car leasing include insurance?’. The answer: ensuring the car has Fully Comprehensive insurance for the length of the lease is, in most cases, the customer’s responsibility. We also offer our Synergy Total Care package, which includes Fully Comprehensive insurance as well as servicing, maintenance and a host of other benefits - just ask your Account Manager for more information.

How do I Maintain & Service my Car?

All cars should be maintained and serviced in line with the manufacturer’s guidelines at an approved dealership or garage and should be returned at the end of the lease in line with the finance provider’s ‘Fair Wear and Tear’ policy.

Any form of glass, bodywork, paint or interior trim damage will not be covered by the Fair Wear and Tear policy.

Ask your Account Manager about our optional maintenance plans for peace of mind.

How Long Does it Take to Lease a Car?

If you require a car with a short delivery time, we offer a range of stock cars which can be delivered in as little as 7 days. Factory ordered cars usually take from 6 weeks to 3 to 4 months to be ready for delivery, depending on the make and model of the car. In a small number of cases this can take longer, in which case your Account Manager will be able to advise you on lead times.

All our cars include free mainland UK delivery to your home or work address.

What Happens at the End of a Car Lease?

6 months before the end of your lease agreement, we recommend that you start to think about your next leasing vehicle and contact your Account Manager to discuss your options. Preparing ahead of your contract’s end date will allow time to factor in lead times for your next vehicle of choice. We send you a reminder letting you know your contract’s end date. Preparing in advance allows us to work to deliver your next vehicle on the date of your current contract ending and arrange the collection of your current vehicle. A couple of months prior to your contract ending, make sure your maintenance and servicing are up to date in line with the Fair Wear and Tear Guide and the vehicle manufacturer’s guidelines to avoid any last-minute repairs.

Can I End my Leasing Agreement Early?

To get out of a car lease and end the fixed-term lease contract early will require the payment of an early termination fee and any excess mileage charges due up to the end of the contract be paid. Just ask your Account Manager for more information.

What is car leasing and how does it work?

Check out our guide explaining what car leasing is and how it works.
  • Video Transcript

    What is car leasing and how does it work?


    In the morning I just want things simple. That’s why is makes sense to lease a car from Synergy.


    Leasing contracts can be taken as a personal agreement in your own name or by a business, and Synergy make leasing your next car simple with their easy online application.


    Choose the make and model. Decide how long you want to keep the car, then choose how much you want the initial rental to be and annual mileage.


    Manufacturer warranty, road tax and roadside assistance are all included, and there’s the option to choose a maintenance and service package too, as the car must be maintained to the manufacturer’s guidelines. All you have to do is make sure the car is insured.


    Leasing is a fixed-term contract, and you will not own the vehicle. The car should be returned in line with the BVRLA Fair Wear and Tear Guide.  Charges may apply if you exceed your agreed mileage or want to end the agreement early.


    At the end of the contract – simply arrange collection and the delivery of your next lease car. Makes every morning simple.  See

See what Synergy customers are saying

Our business is built on repeat orders, recommendations and referrals. We're passionate about delivering an excellent customer experience. 

Platinum Trusted Service
Feefo Star Feefo Star Feefo Star Feefo Star Feefo Star
5 6,216
4 419
3 19
2 3
1 6


Be the first to receive exclusive special offers, news and information from Synergy Car Leasing. We will not pass your details to anyone else.

You can unsubscribe at any time. View our Privacy Policy.



0330 134 5998

Lines are open:
Mon - Fri | 8:00 am - 8:00 pm
Sat - Sun | 10:00 am - 3:00 pm

Request a callback


<p><span>ACCREDITATION</span><br /><span>& PARTNERS</span></p>

Synergy Automotive Ltd trading as Synergy Car Leasing is authorised and regulated by the Financial Conduct Authority (FCA) FRN 660618. Synergy Automotive Ltd trading as Synergy Car Leasing is a credit broker and not a lender.