What is the best saloon to lease in 2019? Would you go for the brand-new BMW 3 series, the extravagant Mercedes C-Class or this, the Audi A4. For those looking to spend around £300-£400 a month on a luxury saloon, there is a great list of ideal cars to consider.
None of these cars are “bad” and whichever way you go we are sure you will end up with a nice car. The only real complication is which fuel is best for me (or the company)? With petrol, diesel and PHEV technologies to consider you may need to review our guide to fuel at https://www.carlease.uk.com/car-e.
Of course thank you to our Chelmsford-based personal leasing customer for deciding to use the CarLease team to supply their new car and for sending pictures across to us.
Having researched the German options, they knew the special edition Audi A4 was the right car to lease.
Can my mum or dad lease a car for me? While luxury saloons are always great to supply, these types of vehicles do encourage a wide-range of customers to enquire with us.
In particular, we do find that many young-drivers will get in touch to lease the latest BMW or Audi but haven’t necessarily considered the credit, process or regulation.
Contract hire and leasing are credit-based products; there is no guaranteed finance or automatic approval with the finance products we offer. This means that regardless of the enquiry, personal or business, there must be a completion of a finance proposal form so that our administration team can upload this with our selected finance providers. As we have discussed before, we require certain key information from our customers to proceed further.
So if I have insufficient, or bad, credit can I not just ask someone else to do it? As you will see in our credit and affordability guide, there are two crucial aspects to consider – 1) your ability pay (income and expenditure); and 2) your willingness to pay (credit).
Any issues relating to these need to be identified to our team here as soon as possible, as it allows us to have the right conversations more quickly.
If you have bad-credit, it is not possible to ask someone else to lease a car in your name. This is known as an Accommodation Deal and is something which our industry does not allow. If you apply for credit on someone else’s behalf, you could be causing a plethora of issues for the companies involved. As part of treating customers fairly and responsible lending, making clear and fair decision is paramount.
Is there any way around the above? If you are a young-driver and currently live at the same residential address with your parent or guardian, so long as you do not have bad credit (by which we mean CCJ, defaults and missed payments) there may be a route forwards.
A limited number of the finance companies we work alongside will allow a joint application or for the parent/guardian to act as a guarantor on the lease.
There are age restrictions in that most finance companies limit the main applicant’s age to 21. If you are older and do not have sufficient credit, many finance companies will not provide a solution to you. However, should your credit be ok, or just be a case of lack of history, with a joint application you may be able to continue.
As highlighted you must live at the same residential address and there secondary applicant must have good credit.
It is very common that we have joint application for younger-drivers needing a vehicle during, or just after, university. Leasing a car for a university course is a great option, as you can build the contract around the course length (2, 3 or 4 years).
By having the new car, and including maintenance, you can get a more safe and secure automotive experience.
If you are looking to lease a car with your mum/dad or are consider an application with a guarantee, just get in touch with our team and we can run through the process. To make everything operate quickly, and securely, before obtain quotations or signing orders, please make the situation very clear to the leasing broker or finance company.
In terms of the car shown here, the Audi A4 DIESEL SALOON 40 TDI Black Edition 4dr S Tronic [Tech Pack], this is based on the following configuration:
· Ibis White Solid Paint
· Alcantara/leather – Black with rock grey stitching + front sports seats
· Piano black finish inlay
· 19″ 5 arm rotor alloy wheels in diamond cut titanium matt finish
· 24 litre AdBlue tank
· 54 Litre Fuel Tank
So what specification options are there in an A4? Your choices are:
· SE – the “base” model includes 17” alloys, xenon headlights with LED running lights, parking system plus, smartphone interface and MMI navigation;
· Sport – this will add the 18” alloys, Audi sound system and sports seats;
· S Line – the ideal specification includes 19” alloys, LED headlights with LED rear lights, S Line exterior pack and enhanced sports seats with S embossed logo; and
· Black Edition – the “top” specification has the 5-arm rotor 19” alloys, black styling pack, flat-bottomed high multi-function 3 spoke leather steer, privacy glass.
As standard the car includes the electric adjustable/folding/heated door mirrors, hill hold control, towbar preparation, sound system, parking system plus (with front and rear sensors), 19” alloys, cruise control, LED headlights with LED rear lights, alcantara/leather, heated front seats, acoustic windscreen, blue tinted glass, privacy glass with acoustic glazing, rain and light sensors, EDL, multi-collision braking, Bluetooth, front/rear floor mats, phone box with wireless charging, pre-sense collision braking, stop/start button, 7” colour driver information, navigation, smartphone interface, high gloss black door mirrors, DAB radio, body coloured externals, automatic headlights, high beam assistant, 3 spoke flat bottom steering wheel, exterior styling pack, warning triangle and first aid kit, 40/20 split folding rear seats, keyless start, stainless steel pedals, Thatcham Cat 1 alarm and immobiliser. In terms of additional options consider adding head up display, rear view camera or the comfort and sound pack.
In terms of the technical info, company car and business users can note the P11d at £41,175.00 and CO2 at 120g/km. The 1968CC 7 speed auto diesel engine offers 62.8 combined MPG (EC), 48.7 (WLTP), 190ps and 0-62 times of 7.7 seconds. Service intervals are set at every 12 months or 9,000 miles, whichever lands sooner. Please note the “35” TDI offers 150ps and the “50” TDI offers 186ps (in a bigger 2967CC engine).
So would you select the A4 as your next car leasing option? Or would you be heading elsewhere for your new car?