Frequently Asked Questions  image

Frequently Asked Questions

Before you lease...

What is leasing?

Car leasing is like renting a vehicle from a dealership . Instead of paying the full cost, a customer agrees to pay the dealership a specific amount per month for a set period, often 24 , 36 to 48 months. At the end of the lease, customers can return the vehicle and order a new one.

What is Personal Leasing and how does it work?

Personal Leasing is a straightforward and affordable way of operating a vehicle when compared to buying a car outright. You don't own the vehicle you simply pay for what you use. You can configure your perfect car and get a monthly quote instantly on our stock page. 

  • Initial rental is 6 months up front, followed by the fixed monthly repayments. This must be paid before we can order the vehicle. 
  • Includes road tax and services as per manufacturer guidelines.
  • A Personal Lease customer will look after their own insurance and tyres. 
  • The vehicle is registered to Joe Duffy and will be returned at the end of the contract term.
What is Business Leasing and how does it work?

Business car leasing or contract hire is a cost effective way for a business to run a fleet of vehicles of any size, from as little as one vehicle. You get the advantages of fixed monthly costs making it easier to budget and off balance sheet funding. By funding your fleet using lease or contract hire arrangements you can replace vehicles at fixed intervals ensuring you always have the most reliable and cost vehicles available.

  • Initial rental is depending on if the customer has a Limited Company or if they are a Sole Trader. 
  • Minimum two years of accounts for a Limited Company and a minimum 2 years of self assessed tax returns for a sole trader. This is depending on the criteria of each  customer/company. 
  • All inclusive service. Includes road tax, services and tyres. A Business Lease customer will look after their own insurance. 
  • The vehicle is registered to Joe Duffy and will be returned at the end of the contract term.
What is initial rental, and is it refundable?

The initial rental payment is an equity payment which reduces the risk and the monthly rentals and you pay this before ordering the car and then your monthly payments start once you receive the vehicle. This is not refundable 

Why should I lease a car?

There are many different benefits to leasing, including: 

  • Flexible initial payment
  • Flexible term and mileage profiles to suit you
  • Fixed cost motoring
  • You only pay for the use of the vehicle
  • At the end of your contract simply hand the vehicle back with no balloon payment
  • Option of including servicing with the contract
  • No depreciation or disposal risk
Are all of the cars you supply new vehicles?

Yes all our Leasing cars are new. We do not offer leasing for used vehicles.

What is the credit process like and how long does it take?

For personal leasing 3 month bank statements 3 payslips is required for business its 2 years set of accounts and 3 months bank statements. Once received with the set up forms the process takes about 2 to 3 working days to get a decision.

What documents do I require in order to lease a car?
  • Copy of your driver’s license
  • Utility bill
  • 3 months bank statements
  • 3 months payslips
Where do you get your cars from?

Our cars come from the dealers we've handpicked. If you've spec'd your car, the dealers will get it fresh from the manufacturer. You only have to talk to us when you're ordering though - we handle everything with the manufacturers and dealers behind the scenes. 

Who finances the vehicles?

We partner with the most competitive fund providers which ensures that we can pass the best rates to our customers.

Will my vehicle come with warranty?

Yes, all our vehicles come with the full manufacturer’s warranty.

Does the vehicle come with roadside assistance?

Yes all vehicles are supplied with the manufacturers road side assistance. We also have Joe Duffy Assist for extra reassurance.

Will my vehicle be taxed?

All of the vehicles that we supply include tax for the full duration of the lease e.g. 2, 3 and 4 years. We tax the vehicles and send them out to you every year.

What mileage should I choose?

This really depends on your motoring requirements, 15,000 is a good starting point for commuting to and from work or city driving. You may consider a higher mileage option if you frequently take longer trips.

Will I own the car?

No, the vehicle will always remain the property of Joe Duffy Leasing.

Is insurance included?

We do not include insurance on a lease contract.  You will need to arrange your own fully comprehensive insurance for your lease vehicle. You will need to be insured before driving the vehicle. We can assist in finding a provider for you if needed.

Can I see my car before I lease it?

If we have a similar make and model in stock, you can view the car at one of our experience centres. However, this may not be the case at the time of your order and therefore not always possible. Our online configurator allows you to the see the digital version of the car before placing your order.

When do I pay a deposit / initial rental

Initial advance rentals must be paid in full before the vehicle is registered and before the start of your lease. If your vehicle choice is not in stock and has to be built, a minimum of 6 months rentals must be paid before we can order the vehicle.

Is my deposit refundable?

If we have ordered the vehicle from the factory and the vehicle build has started or your vehicle has been registered your deposit is not refundable. You may use the deposit against the lease of another vehicle. If we can not supply the vehicle or you paid the deposit prior to financial acceptance we will refund the deposit in full. Talk to our team about these conditions prior to paying your initial deposit. 

Can I trade in my current vehicle?

Yes we will buy any car even if you do not take out a lease with us. Our online appraisal system allows us to value your vehicle hassle free. If you do decide to go ahead with a lease you may use part or all of the proceeds of the sale against the deposit on the new car.

What is the minimum lease term?

As all vehicle are new unregistered the minimum term is 24 months and up to 48 months.

Can other people drive my car?

As long as they have your permission and are insured to drive it, yes!

Can we brand the vehicle?

Yes, all vehicles can be branded as long as the branding is removed prior to being returned at end of lease.

During your lease...

Can I change my direct debit date?

Our direct debit date is set as the first day of each month and therefore it is not possible to change this date.

Who is responsible for the vehicle maintainence?

You will be responsible for maintaining the vehicle.  This will include items such as servicing, maintenance and tyres. You can avail of one of our servicing packs which will allow you to help fix and reduce costs of servicing however it is still your responsibility to make sure the vehicle is maintained in accordance to the manufacturers guidelines.   

What happens if I want to terminate my lease?

You may terminate your lease at any stage and change it for another vehicle or simply hand it back. Please contact our leasing team and they will assist you. The cost of this is dependent on what deposit level was paid originally and how long you have left on the contract but as a guide it could be up to 50% of the remaining lease rentals.

How do I renew my road tax?

You don’t! We do it on your behalf and we post it out to you.

What happens if I have an accident or damage the vehicle?

Firstly, you must contact the emergency services if necessary and notify your insurer. If the car is unable to be driven you will need to contact Joe Duffy Assist to recover the vehicle. Your insurer should be able to provide a short term hire vehicle (check your policy document). Once the initial accident has been dealt with you must inform Joe Duffy Leasing and we will assist you with any repair or insurance claim. As the owner of the vehicle any repair or modification must be approved by us before work is carried out.

Can I add accessories to the vehicle once the lease has started?

Accessories such as tow bar and retro fitted spec may be added at time of order only and must stay on the car on when returned. Once the lease has started no modification or alterations to the spec can be made.

After your lease...

What happens when my contract is due to end?

Once the contract is completely finished, you return the car or order a new one. Vehicles will be checked for damage outside of our fair wear and tear policy and for excess mileage. You can self assess any potential damage prior to returning the vehicle through our state of the art valuation app.

What happens if I go over my agreed mileage?

If you exceed your contract mileage, there will be an excess to pay at the end of the lease, charged per kilometre you drive beyond your contract mileage.

This will vary depending on the type of vehicle & length of the contract. If you think you may exceed your mileage at any time, please contact us to discuss options to avoid an end of contract charge by re-writing your contract to suit your changing mileage requirements.

What happens if I do less mileage than the contract?

Unfortunately, there is no refund on under mileage however we will take this into account if you are renewing your vehicle with us.

Why is there a charge for excess mileage?

If your contract runs over the agreed mileage you must pay for mileage you have gone over. The payment isn’t a penalty or fine it is simply a payment to cover the extra depreciation and wear the vehicle has taken on over the period of the lease. The excess mileage is typically the equivalent to the difference in the monthly rentals has you signed up to a higher mileage lease.

Will my vehicle be collected at the end of the contract?

At the end of the contract, you must return the vehicle to one of our experience centres which will be discuss with you at the end of the agreement. We can arrange home collection, if necessary,  the cost of which depends on your location.

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