Lease or Buy a Car or Van?

Before We Start ...

If you're looking for the best way to finance your next new car or van you've come to the right place.

Our 'Lease or Buy' analyser will compare instantly the cost and cash-flow impact on your business of buying outright vs leasing, contract hire, contract purchase and hire purchase.

Our 'Lease or Buy' analyser can compare your funding options in seconds including outright purchase vs leasing, contract hire, contract purchase and hire purchase.

If this is the first time you've used our analyser then take a few seconds to read the briefing guide below - it will help you get to the right answer.

Even if you're a veteran then it may still help you to read the guide again anyway.

Think of it as our crumple zone - once you know what it does you'll feel a lot safer.

    What Do We Do?   

What Do We Do?

Our 'Lease or Buy' analyser will compare instantly the cost and cash-flow impact on your business of buying outright vs leasing, contract hire, contract purchase and hire purchase.

By blending information about your business with finance calculations we can work out whether or not your business should buy it's new cars or vans from cash reserves or use finance.

Taking account of monthly finance payments, business tax relief, VAT recovery and your rate of return on capital we can calculate the cost and cash-flow impact of using external vehicle finance in your business.

If it's cheaper and more cash-efficient to buy outright we'll tell you. And if your business could be better off using external finance, or your business can't afford to pay cash, we'll work out the best finance from the products we offer.

    Getting Started   

Getting Started

Your Business Profile

To begin you'll need to set up some information about your business, such as the corporation tax rate and VAT recovery.

We'll also need details about the rate of return achieved on capital invested in the business. This is to calculate the effect on your business of cash-flow changes caused by financing cars rather than buying outright.

The rate of return on capital is used in cash-flow modelling, but don't worry if you don't yet know your return on capital - we can work out the minimum rate you would need to make using external finance more effective than buying a car or fleet outright.

Similarly, if there's any other information you're not sure about then just use the example data we provide - you can always go back and change the details at any time.

We won't keep any business data you provide. Once you leave our site and close the browser window the data will be erased from our servers, but remember that your web browser may keep browsing data for a period of time and this is beyond our control.

If you leave your computer, tablet or phone for a while when using our 'Lease or Buy' analyser your session on this web site will eventually 'time-out' and we'll then wipe the data as well to help prevent someone else from seeing it (but please don't rely on that - just close your browser window and come back to us later).

Vehicle Selection

Next we'll ask you about the vehicle you want to analyse.

You can select a standard vehicle from the manufacturer lists or customise a vehicle with options in addition to the standard equipment.


Once the vehicle is selected we'll ask you about finance. You can select the replacement period for the vehicle (up to 5 years) and the annual/total mileage and we'll match the finance to your selections.

You're Ready To Go!

Once you've completed the business profile, vehicle and finance selections you're ready to see the analysis results.

We'll show you:

  • the cash-flow impact on your business of buying outright compared to your selected finance alternatives;
  • the cost impact of using finance compared to buying outright; and
  • the effects if corporation tax relief and recovered VAT on the calculations.

You can also find the minimum return on capital required to make using external finance more effective than buying outright.

Once you've analysed one vehicle you can build up a fleet of cars or vans (or a mixture).

You'll be able to see the cost and cash-flow impact of buying outright vs external finance on each vehicle and on the entire fleet.

We'll also automatically blend the finance analyses to identify the best funding approach for each vehicle in the entire fleet.

So let's get started on your 'Lease or Buy' analysis - just click on the link below:

Business Profile

Contact Us

Whether you're a personal buyer, fleet operator or company car driver we have the most advanced tools you could ever need to help you choose your next new car or van.

From vehicle technical data to advice on buying or leasing, it's all here waiting for you.

So dive right in, or why not get in touch?

You never know what else we might know ....

   0333 444 0400

(+44 1792 224319 from outside the UK)


0330 444 0400
(+44 1792 224319 outside UK)

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