Zest Leasing
Zest Leasing

0333 3660202

Monday to Friday 9.00am to 6.00pm

Saturday 10.00 to 4.00pm

Zest Leasing Initial Disclosure Document

The Financial Conduct Authority is the independent regulator of financial services. The Financial Conduct Authority require us to provide you with a document called an 'Initial Disclosure Document'. This document provides information about us, the products we offer, the services we will provide, what we charge for our services, who regulates us, what to do if you have a complaint and details about the Financial Services Compensation Scheme.

What services do we provide?

  1. We offer vehicle leasing, contract hire and hire purchase products from a selected panel of lenders. All our products are related to the leasing, hire or purchase of a vehicle. 
  2. We do not fund any credit contracts ourselves all credit applications are introduced to a third party lender. We are a Broker not a Lender. 
  3. You will not receive advice or a recommendation from us. We have provided you with product information enabling you to make your choice about how to proceed 
  4. We encourage you to ask us at any stage anything that is unclear and obtain independent advice if you still do not fully understand the credit arrangements 
  5. Please note unless we are satisfied you fully understand the terms and conditions of the finance you are applying for we will be unable to make the introduction to the finance company, this is for your protection and ours 
  6. We recognise it is important for customers to be able to shop around for credit and alternative sources of credit 
  7. We are not linked to any of our lending panel members.

What we will do.

  1. Explain the key features of the regulated credit agreement to enable you to make an informed choice 
  2. Take reasonable steps to satisfy ourselves that a product we offer to you is not unsuitable for your needs and circumstances 
  3. Advise you to read, and allow you sufficient opportunity to consider, the terms and conditions of a credit agreement before entering into it 
  4. Before referring you to a third party which carries out regulated activities obtain your consent, after having explained to you why your details are to be disclosed to that third party
  5. Before effecting an introduction of you to a lender disclose (where applicable) the fact that the lender is linked to this firm by being a member of the same group as the firm 
  6. Before effecting an introduction of you to a lender explain how, when and where you may exercise your cancellation rights


We will quote figures based on our funders cost of funds. The funder has the right to change or decline these quotes on receipt of the full proposal.

Our Remuneration

We charge a processing fee which covers the costs incurred for processing your agreement. Zest Leasing charge a processing fee of £165.00 + VAT (£198.00 incl. VAT) for our services and this is payable by debit or credit card or by Bank Transfer once finance approval has been received. We are a commission and fee based organisation which means that we may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with us. These fees may be variable or pre-set dependent on the product and the volume that we place with the chosen supplier. We will also be remunerated by way of a commission payment payable by the funder. You are entitled, at any time, to request information regarding any payment which we may have received as a result of placing your finance with a funder.

Refund of Fees

Where we charge a processing fee to arrange a loan and we are unable to do so then the full fee will be refunded.

Conflicts of Interest

If through exceptional circumstances Zest Vehicle Leasing Ltd or any of its Directors or other customers has a material interest in business you ask to be transacted for you, we will make you aware of the conflict of interest and we will obtain your consent before your instructions are carried out. A copy of our Conflicts of Interest Policy is available on request

Who regulates us?

Zest Vehicle Leasing Ltd is authorised and regulated by the Financial Conduct Authority. Our Firm Reference Number is 920621. We are permitted to act as a Credit Broker. You may check this information on the FCA’s Register by visiting www.fca.org.uk/register or by contacting them on 0800 111 6768 (Freephone) or 0300 500 8082 from the UK, or +44 207 066 1000 from abroad. Some of the services that we provide are not regulated by the Financial Conduct Authority. You will be advised in advance of any such proposal or service.

If you have a complaint

Please visit our complaints procedure page.

Zestleasing.co.uk is a trading style of Zest Vehicle Leasing Ltd, who are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 920621

Registered in England & Wales with company number : 12116601 | Data Protection No : ZA587581 | VAT No : 338696451

Registered Office : Pinetree Business Centre, Durham Road, Birtley, Durham, United Kingdom, DH3 2TD

Disclaimer: All vehicle images and descriptions are for illustration and reference purposes only, all vehicle leases are subject to credit approval and subject to change at any time. E&OE.

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