Need a brand new car, but can’t get credit? – we like to say YES

  • We make quick decisions; usually in less than 10 minutes
  • We only offer brand new cars; supplied by 30 manufacturers
  • Help improve your credit score
  • Get that brand new car you deserve and save money!

The Eureka! car leasing experience

1. Fantastic finance options

  • We underwrite our own deals cutting out the middle man to save you money.
  • Poor credit? We may still be able to help, even if you have a CCJ over six months old or an IVA over three years old.
  • Eureka’s online application performs a soft search, which means it won't affect your credit rating.

2. Drive a brand new car

Never worry about an unexpected repair bill, just pay your regular monthly lease fee.

  • All brand new cars!
  • No MOT costs
  • A reliable vehicle
  • Manufacturer's Warranty
  • The latest new technology
  • The all important new car smell

3. Quick decision, quick delivery

The traditional car purchasing experience

1. Limited Finance options

  • Poor credit means you’ll struggle to secure finance for a brand-new car.
  • Many companies perform a hard search on your credit file.
  • Numerous hard searches over a short period of time can damage your credit rating.

2. Used cars mean hidden costs

On top of your monthly lease fee, who knows whats going to go wrong?

  • Used car are usually at least 3 years old
  • MOT required every year
  • Unpredictable repair costs
  • Manufacturers warranty has expired
  • None of the latest tech
  • A high mileage car

3. Extra hassle finding your car & finance deal!


Eureka! brand new cars

Choose from our wide range of brand new cars after you apply.

Apply for your brand new lease car now

  • Apply now and receive a response within seconds
  • Even if you have past CCJs and IVAs, we may still be able to help
  • We underwrite our own deals, providing you with a bespoke quote
Apply now

Apply for finance

Apply for your fantastic finance deal now. We’re happy to consider all circumstances, even if you have a historic CCJ or IVA.

Quick response

You’ll receive an immediate response and a bespoke quote to get you on the road as soon as possible!

Choose your car

Once accepted, you can choose your brand-new car from our extensive range, packed with up to date tech and safety features.

Car delivered to you

Wherever you are in the UK, we’ll deliver your car directly to your door, making for a hassle-free process from start to finish.

Our top FAQs

Our friendly team are always on hand to help. Take a look at some of the most frequently asked questions below.

Contrary to widespread belief, there is no credit blacklist for those with bad or poor credit. Each lender sets their own criteria for qualifying customers. So, if one car leasing company rejects your application for car finance, it doesn’t mean they all will.

Lenders sometimes refuse credit to those with a perfect credit rating, which can cause confusion and frustration. Whether you have a poor credit history or a perfect score, there are a variety of reasons why car leasing companies may decline your application.

Read more

Leasing a car is an increasingly popular way to finance a new vehicle in the UK. If you need a brand new car but don’t want the initial outlay and hassle of selling the vehicle on, leasing is the way to go. But how do you know if you qualify for a car lease?

Read more

More and more people are turning to car leasing as an alternative way to drive a brand new car. But should you lease your next car rather than buying it outright? Some of the key benefits of car leasing reveal why it is becoming a popular option for those looking for a new car.

Read more

When you apply for any type of credit, whether it be a car lease, loan, credit card or mortgage, the creditor runs a search on your credit file to help them assess your financial status and lending risk.

During a credit check, lenders look at your history of debt payments, your current debt level and your financial relationships, among other things. The type of search run by the company can impact your credit score. Some lenders offer a 'soft search' facility or a quotation search to prevent leaving a footprint on your file, while others run a 'hard search'.

Read more

About Eureka! leasing

Eureka! Leasing was born after we noticed that people with bad credit find it almost impossible to secure a car lease deal. But, we understand that circumstances can change, and we want to help people with a bad credit rating drive away in a brand-new vehicle.

Car leasing made simple!

Our friendly team members are always on hand to support you, ensuring a smooth and hassle-free experience from beginning to end. You’ll receive an immediate response to your application, a personalised quote based on your needs and access to our range of the most up to date models.

We'd love to hear from you

Call us on 0141 380 0263 or e-mail

  • Do you have questions about leasing a car with poor credit?
  • Want to see which models you qualify for?
  • Whatever your query, it's easy to get in touch. Speak to one of our helpful team members today to find an answer to your question or discuss your needs.
We'd love to hear from you