Bowater | Affordable Car Leasing Deals

Do you charge any Administration, Document or Processing Fees?

We do not charge any of the fees mentioned above, however some lenders do charge these fees for certain services.

Would I find it cheaper to lease a vehicle or buy?

This depends on the type of vehicle but very often the answer is yes. If you would like more information please see our Vehicle Finance Explained section or contact us.

If I have an existing vehicle can I part exchange it?

We are able to offer you a part exchange on your current vehicle, however if you are able to sell your vehicle privately you will normally be able to achieve a higher value.

Do I have to collect the vehicle or will it be delivered to me?

We will deliver to any mainland UK address at no additional cost, if we are required to deliver to Northern Ireland or other Islands there may be additional charges.

Is it possible to lease a vehicle if based in the Isle of Man or Channel Islands?

No unfortunately we are unable to do this, our funders do not offer credit to clients based in the above locations.

What is the minimum age for taking a contract?

The minimum age that would be considered is 18 years old.

Can maintenance and servicing be included within the contract?

We can add maintenance, servicing and tyres to the contract at an additional cost. Each lender offers a slightly different package. We'd be delighted to explain the full details when you contact us.

What should I do if I have an accident?

If you are involved in an accident it is no different to owning a vehicle, you would have to contact your insurers. Insurance is not included within the agreements so is the responsibility of the driver/company. If you have your vehicle stolen or written off, there can be a shortfall between the value of the vehicle and the outstanding finance amount. Insurance products that can cover this shortfall are available; however we do not offer insurance products.

What should I do if my vehicle breaks down?

All new vehicles have breakdown cover for a minimum of 12 months. This does vary as some manufacturers cover up to 4 years for breakdowns. If you find you require additional breakdown cover, we can look to increase this within your agreement.

Is it possible to add personalised number plates on a lease vehicle?

Yes this is possible, this can done prior to delivery or if required after delivery. Transfer and retention charges apply. If you wish we can assist you with the process.

If I have a bad credit rating, what should I do?

We do not deal with sum prime lending, so are unable to accommodate anyone who is bankrupt or in any type of IVA. If you need more information on your credit file, we suggest you contact a credit agency such as Equifax or Experian

Can my credit rating be affected by being credit searched?

If multiple searches are carried out over a short period of time this can have a negative effect on your credit profile. Our recommendation is that you only proceed with credit applications when you are sure that you want to proceed.

How long are your Special Offers deals valid for?

All of our special offers vary, some are based on stock vehicles which will expire when stock is depleted other offers can be based on a limited number of factory build slots which will also expire once they are filled. Please contact us for specific deals and we make you aware of timescales and restrictions on any quotes.

What information is required to enter into a Lease or Purchase Agreement?

We will be able to run through the information required for a Business or Personal Agreement prior to sending to the funder for approval. You will also be required to provide proofs of address such as a utility bill and normally a copy of your driver's licence.

Why do some quotations say Deposit and other quotations state Initial payment?

Please click on the link vehicle finance explained for a comprehensive answer.

If I want to own my vehicle at the end of the contract what do I need to do?

Some agreements do give you the ability to own the vehicle, please call us to discuss your requirement; we will be delighted to help you find the right product.