Car Leasing FAQs
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Or find your answer below...
Choosing the right lease option
Starting the Lease
Maintenance & servicing
Warranties & Breakdowns
Tax & insurance
Fuel & Go
The end of the contract
Still need an answer? No problem - get in touch with one of our friendly staff. We’re always happy to chat!
What is vehicle leasing?
Quite simply, whether a car or van, vehicle leasing is another term for renting. In much the same way as you may rent a property, you treat it like your own and rent it for an agreed period of time at a fixed price per month throughout the rental period, but never actually own it.
Getting your head around the world of leasing couldn't be simpler – just check out our super-quick online guide
What are the pros and cons of leasing vs buying?
Not only does leasing offer great flexibility and peace of mind, you won't be left with a vehicle facing negative equity when your contract is up. What's more, due to the financial flexibility, leasing often means you can drive a newer or higher spec car than you would have been able to afford if paying outright..
If you settle the contract early, you will be required to pay a termination fee.
If you exceed your agreed annual mileage allowance, you will be required to pay an excess-mileage fee.
At the end of your contract, you will be required to pay for any damage to the vehicle, with the exception of "fair wear-and-tear".
To learn more about the benefits of leasing, please take a look at: https://www.leasingoptions.co.uk/benefits-of-car-leasing.
But what if my car breaks down?
By leasing only new vehicles, all our cars come with a full manufacturer warranty for your safety and peace of mind.
Why should I lease from Leasing Options?
In short it's because we offer value, choice and great service. But if you want to read more about why should lease with us, simply check out this handy guide.
One key element to why you should consider Leasing Options is our terrific buying power. When an opportunity arises where popular makes and model are available, we secure a quantity in order to maintain our promise of offering you the best prices possible; this is reflected in our Price Match Promise!
Still need convincing? Just check out the independent reviews we've received over the past 31 years– we really do aim to deliver OUTSTANDING service.
What’s the difference between ‘contract hire’ and ‘leasing’?
Although we generally refer to it as leasing, you’ll hear the term contract hire too; in short they essentially mean the same – contract hire is normally used for a business lease.
I’ve only just passed my test, can I still Lease?
No problem – if you are aged 18 or over all we need is a full and valid UK driving licence to get you started, whatever your age.
Can I still use a personal number plate on a leased car?
Yep! We recommend putting it on following delivery of your vehicle. Remember it’ll need to be removed before the end of your lease though. For more information, speak to your account manager.
Is car leasing halal/haram?
We recommend you do your research on this one; you’ll be able to find a number of discussions online.
What’s included in leasing?
- A brand-new car of your choice
- Free UK-mainland delivery
- Manufacturer’s warranty
- Road tax on most vehicles
- 5* TrustPilot rated service with 31years’ expertise
Maintenance, insurance and breakdown cover can also be added to your fixed monthly payments.
How long is the average car lease contract length?
Our leasing contracts last between 2-4 years.
Can I use my lease vehicle for business and personal use?
Yes, just remember to increase your expected mileage if you expect to do more driving outside of work.
Why should I lease with you?
Here at Leasing Options, we offer:
- 31 years’ experience
- 5* TrustPilot rating
- Price Match Promise
- Over 36 manufacturers
- The latest cars and vans
- Free UK-mainland delivery
- Road tax included
- Special offers
- Business and personal contracts
- Insurance and maintenance packages
Are your lease cars new?
Yes, we only lease brand-new vehicles.
Can my business lease a car?
Choosing the right lease option
Would I be better to lease as a business, or personal customer?
Leasing a vehicle through your business could be a great way of claiming back some of the VAT you pay on your lease, but that's not to say it’s the perfect option for everyone.
With a personal lease, you may well be able to benefit from the same rates as our larger business clients too, and because of our ‘Price Match Promise’ you’ll always be offered the most competitive prices available.
For more information about personal and business leases, simply head over to the leasing school and see explore the options available to you.
I have opted out of my company car scheme... what's my best option now?
Leasing direct with Leasing Options! Contact us and you will be assigned your own account manager who will discuss your vehicle requirements to suit your budget, mileage allowances and preferences.
I've just started my own company – can you help?
Absolutely. As Leasing Options offer a variety of different funding options for businesses, all you need to do is contact an account manager. We can have a chat with you to arrange the quickest and most suitable solution to get you in your new vehicle.
I can’t see the vehicle I want on your site - can I still lease a vehicle even if it's not listed?
Due to our expertise in the vehicle leasing industry, if there is a specific car or van that you wish to lease and you don't see it listed, have no fear. In keeping with our excellent reputation, we have the ability to source almost any vehicle to match your exact requirements, so contact our team.
Do you lease used cars too?
No, we only offer new vehicles at Leasing Options.
How do I test drive my preferred vehicle?
As we source our cars direct from manufacturers we do not have a forecourt, because the cars are not coming directly from us. We suggest you visit your local manufacturer dealership if you want a proper look or a test drive, then come back to us for the best prices and service!
Do you have any high mileage car leases available?
Our car leases have a maximum mileage limit of up to 50,000 miles per annum, depending on the vehicle type and contract length.
Do you do short-term car leases?
We can offer shorter lease terms from one to six months for both business and personal customers, allowing you to drive a brand new car for the amount of time you need it, offering great flexibility whatever your circumstances.
Our guide to short term leasing covers all you need to know.
Which lease cars are in stock right now?
If you need a new car fast, check for the In Stock label on our vehicles. We can arrange for In Stock cars to be delivered to you within three weeks.
Do you lease vans?
Yes, we have a wide range of vans available. See all our van lease deals here.
Starting the Lease
When can I expect my vehicle to be delivered?
It depends on the model and the manufacturer. Due to our great relationships with dealerships and manufacturers, a business lease is possible to arrange within 10 working days and personal lease vehicles usually within 3 weeks, depending on their availability.
Do I have to collect it from you guys?
No, with any lease agreement, we ensure driven delivery of your vehicle direct to your door. What’s more, in mainland UK, we also collect the vehicle at the end of your term. Transportation can be arranged as an alternative if preferred, at an additional cost.
Do you consider part exchange?
Yes! We offer very competitive, fair prices for your current vehicle. We’ll even pick it up for free! Just enter your registration number here for a quote.
Can you deliver to my address?
Free driven delivery to UK mainland locations in England, Scotland and Wales is included within the cost of your leasing arrangement. For non-mainland locations (eg Northern Ireland, Isle of Wight), delivery to the nearest mainland port is available, please speak to your account manager for more details.
Ok, what's the catch?
It's simple, there is no catch. No hidden surprises or nasty shocks.
Because of the way we operate as a business, we're dedicated to presenting you with the best solution for your motoring needs. We want to build a long lasting relationship and provide your next five cars – not just one.
We constantly carry out checks on over 11,000 vehicle leasing opportunities that we provide to ensure that they are always superbly priced. In addition to this we do above and beyond to make sure that our exceptional service and outstanding reputation remain first class.
Don’t believe us? Try reading our reviews on TrustPilot and check out what other people are saying about us.
What down payment do I need?
One of the great aspects of leasing with us is our ability to offer a flexible solution to meet your budget.
Initial payments usually equal six months payments but can vary from one to nine months upfront, just see the question below for more details on initial rental payments. Every order also includes a standard processing fee of £199 inc VAT.
However, depending on the funding option you select, the initial rental figure can be higher or lower. Speak with our account managers for further details.
What is an initial rental payment? Is it like a deposit and will I get it back?
Your initial rental is calculated within the depreciation of the vehicle, factored into the arrangement, so it isn't a deposit and doesn't get returned.
As an example let’s look at a 24 month lease on a £100 monthly rental – If you chose an initial rental of 6 months, your first upfront payment in the first month would be 6 x £100 = £600. You’d then pay the remainder, £100 monthly, for 23 months. (£2,900 overall.)
If you choose to pay a bigger initial payment, for instance 12 months upfront, you’d pay more upfront in your first month, but less per month for the remaining 23 months. Using the example above, you’d still be paying £2,900 overall though.
Think of your lease like sharing a cake between 24 people – if the first person wanted a large slice, the other 23 would have smaller slices, if the first person wanted a smaller slice, the others would have more each. Overall though, whatever initial rental option you take, the total rental cost would be roughly the same, so how much you pay initially is up to you.
When will you take my initial rental payment and monthly amounts out of my bank account?
In the majority of cases, the usual timescale for requesting the initial rental payment is seven days after the delivery of your vehicle. However, this date and subsequent payment dates will depend on your finance company.
The flexibility of finance companies generally means that you can arrange suitable dates to coincide best with your financial cash flow. Speak with your account manager to discuss this further.
Can I lease a car with bad credit?
With any leasing arrangement, we work to assist you as best as possible throughout the process by discussing your needs and circumstances with you at an early stage.
Can leasing a car improve your credit?
In order to have a credit score, you need to first have history of paying back debt – leasing can help you do this.
The benefits of affordability and knowing exactly what you’re paying each month can also help you manage your finances better, especially if you’re the kind of person who’s not used to having a number of outgoings each month.
In short, if you can afford the monthly repayments and still have a comfortable amount left to see you through each month, leasing can help you improve your credit. Just remember, this works both ways too - so if things are tighter than they ought to be, you might want to reconsider in order to avoid missing any payments and reducing your credit score.
Am I able to claim back any VAT on my leasing payments?
If you lease a VAT registered business vehicle and take out a VAT qualifying contract, you can reclaim the tax back from the HMRC.
If you lease on a personal basis, unfortunately you cannot reclaim VAT.
Our team are on hand to talk you through this when arranging your contract, so if you’re unsure, don’t worry. In the meantime, see our handy
Our tax calculator.
Who provides the funding for my car?
With 31 years of expertise as an independent vehicle leasing specialist, creating strong relationships with manufacturers and carefully selected funders alike, we will tailor the funding to your requirements.
From a possible 12 available finance funders, we work with six primary companies, including: Arval, Lex, Alphabet, Network, ALD and Hitachi, each helping to offer you the very best service.
What costs do I need to pay for my lease?
- The initial rental fee (between 1-12 months’ rental payments)
- A standard processing fee of £199 including VAT
- Fixed monthly payments until the end of your contract
Is my car lease tax deductible?
With business leasing, you can get a number of tax benefits from:
- Reclaimed VAT
- Benefit in Kind
- Fuel efficiency
However, personal car leases are not tax deductible
How many miles am I allocated in my lease agreement?
This is completely up to you. You can decide (with the help of your account manager if needed) what mileage you expect you’ll cover per year. Mileage allowances start from 5,000 up to 50,000 miles per annum dependant on the vehicle funder.
Should I be extra cautious when considering my mileage allowance?
We do advise that this is something you will need to think about, simply because exceeding your allowance will alter the depreciation of your car or vans value and will incur fees.
At the other end of the spectrum, rebates are not available for unused miles, so it's important when choosing to select the correct mileage allowance. Our account managers can help you here.
Why is it that the more miles I do, the more expensive the lease becomes?
The answer is depreciation. A vehicle’s value at the end of a lease contract is determined by how many miles it has covered during its time rented to you. The more miles you cover, the less the vehicle's resale worth will be once the agreement is over.
Maintenance & servicing
I've opted for maintenance. Where can I take my car for servicing?
Most of our maintenance packages use main manufacturer dealerships or national chains who use manufacturer parts only. This is to ensure you get a high level of service and a wide network available to support you through the life of your vehicle.
Check with your account manager on the chosen suppliers for your maintenance package.
What happens if I need a replacement vehicle?
If you require a replacement vehicle at any time during your lease, unfortunately, LeasingOptions doesn’t offer this service.
If you need a courtesy car during a service, it would be worth asking the garage directly.
I haven't taken out the optional maintenance. Do I still need to service the vehicle?
When you lease a vehicle, the responsibility of maintaining it is yours. You need to keep on top of maintaining the vehicle as per the manufacturer’s recommended guidelines. We don’t send out service reminders.
However, LeasingOptions offers a package, Fuel & Go, that includes all aspects of leasing a car including maintenance, service and breakdown as well.
How often do I have to service my lease vehicle and do you let me know when the service is due?
When you lease a vehicle, the responsibility of servicing it is yours. You need to keep on top of maintaining the vehicle and servicing it – LeasingOptions does not send out reminders.
All lease cars have to be serviced at the recommended service intervals set out by the manufacturer.
Does leasing include maintenance and service?
Normal car leasing does not include maintenance and service. However, you can add a maintenance package to any lease which will cover you for maintenance and servicing.
LeasingOptions also offers a package, Fuel & Go, that includes all aspects of leasing a car including maintenance, service and breakdown cover as well.
Do I need to get an MOT?
We only lease brand-new cars, so you do not need to get an MOT unless your contract lasts more than three years.
If your contract is longer than three years, you do need an MOT.
Our Maintenance package includes regular MOT updates to remind you.
Warranties & Breakdowns
Do your lease vehicles come with a warranty?
Yes, absolutely. Every vehicle we lease is covered by their respective UK manufacturer’s warranty. For further details please ask our team.
What happens if I breakdown? Is roadside assistance included with my quote?
It is your responsibility to get breakdown cover for your lease car. However, breakdown is included in the LeasingOptions maintenance package, Fuel & Go.
Tax & insurance
Is Road Tax included in the lease price?
Most of our leasing contracts include road tax for the entire duration of your lease agreement. Certain contracts may only include the first year's road tax but this is something our account managers will more than gladly discuss with you.
Does car leasing include insurance?
On standard contract hire deals, insurance is not currently offered. Insuring your car or van is something you will have to arrange yourself. We inform you of the delivery date of your vehicle so that you can pre arrange your insurance.
Like any other car or van on the road, you must be insured, and under fully comprehensive cover throughout your term when leasing a vehicle.
We are launching 'Fuel & Go' which is a complete, full package insuring the lease and covering maintenance of your vehicle. Ask an account manager for a 'Fuel & Go' quote.
We can also offer Gap insurance, which protects the remaining difference between the outstanding finance on your lease, and what an insurance company will pay out. Ask your account manager or give us a ring today to find out more about this.
I am currently in a lease agreement, will I be affected by the Vehicle Excise Duty Changes?
No. Only vehicles registered on or after April 1st 2017 are affected by the changes.
What does Pre-Reg Mean?
Since Adam was a lad, the majority of motor manufacturers have measured their success on how many new vehicles they register in a month/quarter/year, not how many have been delivered to customers. As a consequence, where a Manufacturer is falling short of their target for a particular month/quarter or year, we may be offered extra discounts by that manufacturer, on a batch of vehicles, if we allow them to register vehicles early or before we have sold them. In the trade this is known as Pre-Registering (Pre-Reg). By taking advantage of these extra discounts we are able to offer more competitive monthly rentals to you, our customers. Pre- Registering a vehicle is an electronic process and does not involve the vehicle being moved, used or driven. The only difference between a Pre-registered vehicle and the identical vehicle next to it in the manufacturers storage compound, is that it’s cheaper. One thing you do have to bear in mind is that a vehicle’s first MOT is due three years from it’s date of registration not 3 years from when you take delivery. However the savings reflected in the lower monthly rental considerably outweigh the cost of an MOT. Please speak to your Account Manager if you have any further queries.
Does leasing include insurance?
Yes, you can opt to lease an insured vehicle, meaning one fixed monthly-payment. Our Fuel & Go package provides an insured lease-vehicle, including accident management and breakdown cover. This package covers you for maintenance and servicing too.
Speak to your Account Manager to get a quote.
Fuel & Go
What do you get with the Fuel & Go package?
Our Fuel & Go leasing service ensures you get all the cover you need for your leased vehicle. The key benefits of the package include:
- Guaranteed Maintenance & Breakdown – access to a 48 hour relief vehicle if it can no longer be driven, or is left by the roadside.
- Shortfall Protection – Help with finance arrangements if the vehicle is written off.
- Accident Management – All accident claims are processed by a dedicated team.
- Own Damage Protection – Repair cost related to accident, fire, theft and more are covered.
- Glass Protection – Body glass and windscreen are covered.
- MID updates – Regular and complete Motor Insurance Database updates.
All you have to do is add fuel and enjoy making the most of your leased vehicle.
Can anyone else drive my vehicle?
We believe in providing flexibility for our customers, which means our vehicles can be driven by a wide range of people:
- Business users
Company employees, employee’s spouses, partners and immediate family (children, siblings, parents etc.), as long as they meet the driver-eligibility criteria.
- Personal users
The driver, their spouse or partner and immediate family (children, siblings, parents etc.), as long as they meet the driver-eligibility criteria.
Below is the Fuel & Go driver-eligibility criteria:
- All drivers must be aged between 21-70.
- They must be in possession of a full UK/EU driving licence that has been valid for at least 12 months.
- Drivers must not have more than two own-fault claims in the past 24 months.
- Anyone using the vehicle cannot have more than 6 points on their driving licence.
- They must not have received a driving ban in the past 60 months.
- Drivers must not have been advised to stop driving by a medical professional or the DVLA due to a medical condition.
What isn’t included in the Fuel & Go package?
At the moment Arval, the funder for our Fuel & Go package, doesn’t cover for personal injury for the named driver. Any passengers would be covered under ‘third party’ within the policy. Personal belongings are also not covered within the policy
Does Fuel & Go provide cover for business travel?
By taking out our Fuel & Go package you are covered for both personal and business related use of your leased vehicle. This means there are no restrictions on the type of journeys the vehicle can be used for. The full usage criteria will be detailed in your contract with the funder; if you have any questions about this, please ask us before leasing the vehicle and we’ll be happy to help.
Who provides cover for my vehicle?
It is your responsibility to get insurance for your lease car, unless you opt for our insured leasing package, Fuel & Go. You can get car leasing with insurance and maintenance all included in your monthly payments.
How do you define an incident?
When we talk about an incident, we refer to an accident, or event, that results in the damage, loss or theft of a Fuel & Go vehicle. It also refers to damage caused to third party property, or injury/death of a third party.
What do I do if I’ve had an incident?
Once you are safe and have been given legal clearance to do so, please get in touch with Leasing Options as soon as possible. You can contact our customer service team on 0161 703 8744. They will record the details of the incident and based on the information provided either have the vehicle recovered, or send out someone to repair it.
Can you explain what a Customer Incident Charge (“CIC”) is?
If you are considered as being “at fault” for an incident, you will then be asked to pay the CIC. This will also apply if the funder is unable to recover costs from a third party involved in the incident. How much you will have to pay depends on the number of “at fault” incidents that have taken place while you have leased the vehicle. The CIC is used to help cover the costs incurred due to the incident. If the repair costs are lower than the CIC, you will not be charged anything more than the cost to repair the vehicle.
When the vehicle is off the road due to an incident, am I entitled to a replacement?
While the vehicle is being repaired we will provide a courtesy car for you to use in the meantime. However, please note this will not be a like-for-like replacement of your current leased vehicle. While the vehicle is being repaired you can also rent a separate car if you prefer, which we are more than happy to help with.
If my vehicle is written off due to an incident, what happens next?
If the Fuel & Go team decide the cost to repair the vehicle is unreasonable for us to cover, the lease contract will be cancelled. If you are viewed as being “at fault” for the incident, you will be required to pay the relevant CIC. You will no longer have to pay the monthly rental fees from this point. If a third party is judged as being at fault, we will look to recover the costs from their insurers. Should we not able to recover the costs due to any omission of detail, or act, by the driver or yourself, you may become responsible for the outstanding costs.
If my vehicle is stolen, what happens next?
If your car is stolen, firstly notify the police and complete the necessary crime report with them. Once you have the crime reference number, notify your insurance company and your account manager at LeasingOptions.
It’s important to stay in touch with all parties until either the car is recovered or confirmed as written off or unreturned.
A settlement figure will be provided, and this will need to be confirmed to the insurance company. If there is any disagreement of the car value, you will be liable to pay the difference. It is worth noting that if you have taken GAP insurance cover, it would pay the outstanding balance.
What happens if the vehicle is declared stolen, is never recovered or is a write off – is there anything else I might have to pay?
It is possible there may be an additional maintenance-charge if the vehicle is running over its contract. Our customer service team will discuss this in more detail if you are ever in this situation.
Am I able to terminate the contract early?
If you want to return a vehicle before the end of your contract, we advise you contact us to discuss your options and the full financial-cost.
What is Glass Protection and how does it work?
If you experience any damage to the body glass on the vehicle, Fuel & Go will repair and replace it. You must report this to us as soon as possible so we can arrange for suitable repairs. If glass replacement is required, you will have to pay a per incident charge of £50 per incident. This charge has no impact on the escalating CIC associated with incidents, which we explain below.
What does the maintenance cover include?
While the vehicle is under contract, Fuel & Go will cover the costs of all routine work. This includes things such as maintenance, serving, repairs, premium tyres*, breakdown cover, batteries, exhaust and any worn items.
*Fuel & Go uses a Fair Play policy for tyres. This means damaged tyres are replaced within the maintenance budget. If the tyres have been stolen, vandalised, abused or neglected, you will be recharged.
Our maintenance service is also unable to cover any item on the vehicle that has to be replaced due to neglect, damage or abuse. For any tyres or servicing work, please get in touch with our customer service team and will help you find a local supplier.
If my vehicle breaks down, what should I do?
Please get in touch with our support line who will be able to help and can quickly send out a recovery van if required.
Can I get a replacement vehicle if mine is not on the road due to maintenance work/mechanical failure?
If the repairer is able to provide a courtesy car then you are free to use it while your vehicle is being repaired.
Are Fully Insured Lease Vehicle fees fixed for the full length of the contract?
Yes, in most circumstances the fee will remain the same throughout the full length of the contract. The only time it can change is if we both agree to alter the fee, or if the vehicle is damaged or has exceeded the mileage allowance. The fee can also change if the vehicle is involved in two or more fault incidents within 12 months. If this happens we will discuss the options available to you.
Am I allowed to take my vehicle overseas?
Yes, if you have leased a car from LeasingOptions, you can take it abroad. You need to make sure you have the necessary insurance. When you travel, you need to take the appropriate documentation to prove your lease agreement, provided by LeasingOptions, along with your insurance policy.
Am I able to get a copy of the Insurance Certificate?
If you require an insurance certificate for your leased vehicle, all you have to do is get in touch with your Account Manager who can arrange this for you.
Where can I read the Fuel & Go policy conditions?
Please see the terms and conditions of your Contract Hire agreement for full details.
What would happen in the event of misfuelling?
Misfuelling means when the wrong type of fuel is put into your petrol tank. If this happens, you will be responsible for any repair costs related to the vehicle, as this is not something our Fuel & Go package covers.
Dealing with standing flood water
Unfortunately, we are not able to cover any claim that relates to deliberately driving through standing flood water. We would advise against doing this wherever possible to avoid damage occurring to the vehicle.
Change of address
If you are moving house and need to update the address on your lease contract, please get in touch with your Account Manager who can help arrange this.
Can I add Fuel & Go to my existing Leasing Options lease?
If you already have an Arval contract with maintenance and you have over 6 payments left, you can add Fuel & Go to your existing lease. Please contact your Account Manager to find out how.
Are you able to provide a ‘no claims letter’ when my contact is finished?
Yes, this is something we can easily arrange. If required, we will draft a driver history letter that will include the total amount of ‘claim free’ years for the driver while the vehicle was leased. Please contact our customer service team if this is something you would like us to help with.
What are your rules regarding towing?
If your leased vehicle needs to be towed it will be your responsibility to ensure it meets the legal requirements regarding towing weight. Full details on the limits in the UK can be found here. When it comes to insurance, the vehicle is covered for all Automatic Trailer Control services. Please note that Third Party Liability is only available for the item being towed.
The end of the contract
What is classed as acceptable 'wear and tear' when I return the vehicle at the end of my lease?
For details on what condition we expect the vehicle returned in, take a look here.
As BVRLA members and maintaining a seat on their committee, we have worked to define the BVRLA definition of what is acceptable wear and tear in regards to leased and contract hired vehicles.
A guide that every vehicle finance company strictly adheres to, is available here or on request from your sales consultant.
Although we work to present you with the best possible service, excessive damage that occurs outside of these guidelines falls on you as the lease contract holder, meaning you will be charged accordingly.
Can I end my contract early?
Yes, but much like any other contract, cancelling your contract before the end will incur charges, so you will need to get in touch with us in such circumstances so that we may present you with a termination quote. We do everything possible to keep you in our best interests throughout such occurrences.
Do I own the vehicle once my agreement ends?
No, you may be able to ask for a lease purchase however. Ask your account manager to discuss this with you in further detail.
Can I buy the vehicle once my agreement ends?
The option to purchase vehicle depends on the type of lease you take out. As there are a number of different vehicle contract plans offered by Leasing Options, there are some that offer you the opportunity to purchase your car or van for a specified price once you reach the end of your agreement. The best option is to speak to one of our advisers about this.
If I want to buy my vehicle, how much is it going to cost me?
If you have a contract which allows you to purchase your vehicle at the end of your lease, the price you pay will depend on several factors; such as the mileage that’s already been covered and the car’s age.