Thank you to one of our local Land Rover and Jaguar suppliers, Williams Manchester, for sending a Jaguar E-Pace as a demonstrator for one of our existing personal leasing customers to review, with our account manager, over the weekend.
As a credit broker, not a lender, we do not physically supply any of the vehicles to our customers. Our role is essentially to sit in-between the supplier (a franchised dealer) and the finance company (we operate alongside a select number of finance companies who may pay commission to us if you elect to proceed with them).
Working with the best, and most quality, suppliers if very important as they are a key part of the process; contrary to popular belief a credit broker/leasing company is not in competition with a dealer as they have to work hand in hand during the process.
To ensure a smooth transaction and to treat a customer fairly at all times, we try to use a select number of suppliers who we know adhere to the high standards of service which we require here at CarLease UK.
Another query, which arose during this transaction, is the notion of age – can I be too old to lease a car? To explain simply, contract hire and leasing a credit-based arrangement and, as such, you must be aged 18 or older to lease a vehicle. In terms of maximum age, this is no such proposition as the selected finance company we elect to use will make a decision based on your credit history. Some of our older customers have paid-off mortgages and will have often purchased goods “cash” i.e. without any credit agreement.
What we suggest to them is to conduct an Experian report, which is a means of understanding the basis of your credit history so that you know what the finance companies will see.
We will send to you a proposal form which will ask for a number of personal details – full name, date of birth, email address, telephone numbers, 5-year address history, 3-year employment history and an income/expenditure analysis. If you are a retired, and receive a pension, this perfectly permissible and will be added to your proposal form.
In addition, the income/expenditure analysis will help the finance company (and us) to ensure this is in your best interests; if you require a car which exceeds your surplus income then you will clearly be unable to proceed.
Finally, as part of treating customers fairly (in particular vulnerable customers), we do suggest that a child, relative or trusted friend assists you with the transaction to ensure all of the details are correctly understood.
In terms of the car shown here, the Jaguar E-PACE SPECIAL EDITION 2.0d  First Edition 5dr Auto, this is based on the following configuration:
· Solid Paint – Caldera red
· Windsor leather – Ebony with Flame red stitching
As a special edition, the car comes standard with heated washer jets, rain sensing wipers, emergency brake assist, hill start assist, carpet mats, configurable dynamics, lane keep assist, rear view camera, traffic sign recognition, InControl pro navigation, head up display, electric tailgate, push button starter, electric folding and heated door mirrors, Bluetooth, DAB radio, Meridian 380W sound system, body coloured externals, twin tailpes, panoramic sunroof, LED headlights, climate control, suede headlining, leather steering wheel, black exterior pack, connect pro pack, driver pack, parking pack, smartphone pack, 18-way electric front seats, heated front seats and 20” alloy wheels. As a special edition Jaguar E-Pace, you cannot add any further factory options.
On the technical-side, company car and business users can note the P11d at £47,545.00 and CO2 at 147g/km. The 1999CC 9 speed auto engine delivers 50.4 combined MPG, 180ps and 0-62 times of 8.7 seconds. Service intervals on a diesel E-Pace are every 24 months or 21,000 miles, whichever lands sooner.
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