Car leasing and contract hire for UK businesses and private clients.
Tell us your budget, mileage and timescale. We compare quotes across more than 20 UK funders and handle everything through to delivery.
- Rated 4.9/5 on Feefo
- FCA authorised, FRN 315268
- BVRLA leasing broker member
- Part of Global Vehicle Group
- In stock now, no factory wait
THE IVF APPROACH
Intelligent Vehicle Finance is a phone-first UK car leasing broker for company directors, SMEs and private clients. We compare business and personal contract hire across a panel of more than 20 funders, explain the Benefit-in-Kind position for electric company cars, and handle everything from quote to delivery. FCA-authorised (FRN 315268).
What do you need?
Choose the route that fits you. Each one leads to a named specialist, not a call centre.
OR GO STRAIGHT TO
A specialist, not a script
Tell us your budget, your timescale and how the vehicle will be used. A named specialist compares quotes across more than 20 UK funders and comes back with clear written options, then handles the application, the order and the delivery. No call centre queue, and no starting from scratch at renewal.
Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd, a credit broker authorised and regulated by the Financial Conduct Authority (FRN 315268), a BVRLA leasing broker member and part of Global Vehicle Group, whose brands have funded more than 70,000 vehicles. Our reviews are collected independently through Feefo. Read about the team or what customers say.
20+
UK funders on the panel
4%
Benefit-in-Kind on electric company cars, 2026/27
70,000+
vehicles funded across Global Vehicle Group brands
How it works
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STEP 1
Discuss your requirements
Budget, mileage, timescale and how the vehicle will be used, by phone or callback.
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STEP 2
Written options and full terms
Quotes compared across the funder panel, with the term, mileage, initial rental and charges set out in writing.
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STEP 3
Application and order
The funder assesses the application. Subject to status, the vehicle is ordered and the expected delivery date confirmed before you commit.
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STEP 4
Delivery and support
Delivered to your door, with your specialist on hand through the agreement and at renewal.
Decide with the numbers
Three guides written for directors and owner-managers, with worked UK examples and current rates.
Popular makes
The makes our customers lease most, each with its own guide to the range. Every other make we arrange is in the search box at the top of the page (choose the make from the drop-down).
Common questions
Is Intelligent Vehicle Finance a broker or a lender?
Intelligent Vehicle Finance is a credit broker, not a lender. We are a trading name of XLCR Vehicle Management Ltd, authorised and regulated by the Financial Conduct Authority (FRN 315268), and we may receive a commission from the funders we introduce you to. Brokering across a panel of more than 20 funders means we compare options for you rather than offering only one lender's terms.
Can I lease through my limited company?
Yes. Limited companies, LLPs, partnerships, sole traders and PLCs can all lease through us. Business contract hire is typically VAT-efficient - VAT-registered businesses can usually reclaim 50% of the VAT on the finance rental - and a fully electric company car currently attracts just 4% Benefit-in-Kind. All leasing is subject to status.
What credit profile do I need to lease?
Every application is assessed individually across our funder panel. Different funders apply different criteria to trading history, company age and personal circumstances, which is exactly where a broker can help - we identify the funders whose criteria are the best fit for your circumstances. All leasing is subject to status and affordability.
How quickly can I get a car?
Delivery timescales depend on whether you choose an in-stock vehicle or a factory order, and on the model and specification. Your IVF specialist checks current availability across the funder panel and confirms the expected delivery date before you commit.
What is the difference between business and personal leasing?
Business contract hire is taken in the company's name, is typically VAT-efficient and is quoted excluding VAT; personal contract hire is in your own name with VAT included in the rental. We arrange both under one roof and will tell you honestly which suits your situation - for company directors the answer is not always obvious.
Which areas do you cover?
We arrange leasing for customers across the whole of the UK, with free delivery to your door included. Our team is based at Royal William Yard in Plymouth, and everything is handled by phone and email - you never need to visit a showroom.
Latest from IVF
Talk to a specialist
Call us or request a callback. Tell us your budget and timescale and we come back with written options, with no obligation.
Important information. Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd, authorised and regulated by the Financial Conduct Authority (FRN 315268). We are a credit broker, not a lender, and we may receive a commission from lenders for introducing you to them. Intelligent Vehicle Finance is a member of the BVRLA.
Tax treatment depends on your individual and business circumstances and may change in the future. We are not tax advisers - confirm your position with a qualified accountant. Vehicle availability is subject to change. All leasing is subject to status and availability. Every car is delivered to your door, with Vehicle Excise Duty covered for the term on contract hire.
Reviewed by Stacey Smith, Brand Director, Intelligent Vehicle Finance. Last updated: September 2026.