# Adverse credit vehicle leads Yes. AceLeads supplies adverse credit vehicle leads: UK drivers and businesses who have told us their credit is poor, thin or previously declined, and who want to lease or rent a car or van. Around 200 arrive a month across cars and vans, personal and business, and the large majority are currently unplaced because most of our panel only works prime. Each lead states the vehicle type, the monthly budget, the term, the region and the credit position the customer disclosed. AceLeads introduces the enquiry only. It is not a lender, a broker or a credit intermediary, and makes no credit decision of any kind. ## Overview [object Object] ## Buyer intent signals - [object Object] - [object Object] - [object Object] ## Built for desks that actually place this customer - All-credit and sub-prime motor desks - Non-prime lender panels - Rental and flexi-hire fleets taking deposit over score - Independent dealers with in-house options - Van and commercial vehicle specialists - Brokers with second and third-tier funders ## What each lead includes - Contact details, with a mobile that answers - Credit position as the customer described it: adverse, thin file or previously declined - Personal or business - Vehicle type: car or van, and any model interest - Whether they want a lease, a longer-term rental, or are open to either - Monthly budget as a figure - Term and annual mileage where given - Deposit or upfront amount where stated - Timeframe, and region or full postcode - Consent evidence: the form, the wording shown, the timestamp ## Filter these leads by - Credit tier - Vehicle type - Personal or business - Monthly budget - Region ## Market context [object Object] ## Why AceLeads [object Object] [object Object] [object Object] [object Object] ## Frequently asked questions ### What does “adverse credit” mean on these leads? It is what the customer told us about their own credit when they enquired: poor or adverse, a thin or empty file, or previously declined. We record it as disclosed and pass it on. We do not run a credit search, score anyone or verify the disclosure, so treat it as the customer’s own account of their position and run your own checks as you normally would. ### Is AceLeads a credit broker or a lender? No. AceLeads introduces an enquiry to you and nothing else. We are not a lender, a credit broker or a credit intermediary, we give no advice to the customer, and we make no decision about whether anyone can be funded. HDCH Limited, which trades as AceLeads, is not authorised by the Financial Conduct Authority. Any regulated activity is yours, under your own permissions. ### Are these leasing enquiries or rental enquiries? Both, and many are open to either. Some customers have specifically asked about leasing, some about hiring a vehicle for a longer period, and a large share simply want a car or van and will take whichever route actually works for them. Where they have stated a preference it is on the lead, and where they have not, that flexibility is usually an advantage to you. ### How many are there and what is the split? Around 200 new adverse and thin-file enquiries arrive a month, and the number has grown every month we have measured. Roughly seven in ten are cars and three in ten are vans, and about five in six are personal rather than business. They cover 148 postcode areas, so this is national volume rather than one region. ### Why are so many of them unplaced? Because our current panel is built for prime. Those desks decline this customer on sight, so the enquiries sit. It is a gap in who we route to rather than a problem with the enquiries, which is exactly why we are looking for desks that work this book. ### Do they have deposits? Some do, and it is captured where stated. It matters more here than in prime, because a larger upfront payment is often what makes a rental or flexi-hire arrangement workable when a lease will not fund. The stated monthly budget averages over £500, so there is usually something to work with. ### Can I take only vans, or only business applicants? Yes. You set your criteria and only see what matches: vehicle type, personal or business, credit tier, monthly budget and region. If you only place vans for sole traders in the North West, that is all that reaches you. ### What does it cost? Nothing to browse or reserve. You pay an agreed fee only when a lead converts, with no contract, retainer or monthly minimum. Our pricing page sets out how it works. --- Source: https://aceleads.co.uk/adverse-credit-vehicle-leads Last reviewed: 2026-08-13 Contact: info@aceleads.co.uk AceLeads is a UK-registered business.