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Get Set Up in the UK — Cars, Homes & Money, Made Simple for Expats
Moving to the UK without a UK credit history makes even simple things hard — especially getting a car. Expat Mail compares expat-friendly car leasing and subscription options, then covers everything else you need to settle in: housing, insurance, banking and utilities. Read us like the paper — browse the sections below, or dive into today’s wire above.
What Do You Need to Get Set Up?
Personal Car Leasing
Leasing, subscriptions and flexible rental for individuals with no UK credit history.
Read moreBusiness & Fleet Leasing
Get relocating employees mobile fast with company car and subscription accounts.
Read moreMoney & Banking
Bank accounts, credit building, mortgages, tax, transfers, broadband and bills.
Read moreAnswer a few quick questions and jump straight to matching vehicles — the Cocoon Vehicles showroom finder, built for expats with no UK credit history.
The Story Behind Every Move: Transport Comes First
Of everything an expat has to arrange in the UK, transport is usually the most frustrating. Traditional car finance is built around three years of UK credit and address history that new arrivals simply don’t have yet — whatever their income or credit standing back home. That is why our comparison starts with the providers who specialise in expat car leasing and subscriptions: flexible terms, fast delivery, and applications built around overseas applicants rather than against them.
Read the Full Guide| Option | Typical Term | UK Credit History | Best For |
|---|---|---|---|
| Car Subscription | 1 month – 3 years | Rarely required | Just arrived, need flexibility |
| Flexible Lease | 1 month+ | Sometimes required | Unsure how long you’re staying |
| Short-Term Lease | 6–12 months | Sometimes required | Settled for under a year |
| Contract Hire | 2–4 years | Usually required | Long-term stayers, lowest cost |
Relocating Staff From Overseas? We Speak HR.
If your business sponsors visas or moves staff into the UK, a new hire without UK credit history can be stuck without transport for weeks. Expat Mail helps mobility and HR teams understand company car, fleet subscription and bridging options built for exactly this situation.
See Business & Fleet OptionsThree Steps to Getting Set Up
Tell us what you need
Personal or business, car or full relocation — start with the section that matches your situation.
Compare expat-friendly options
We line up providers and services that are genuinely built for overseas applicants.
Apply directly, get set up fast
You deal with the provider directly — we just make sure you’re comparing the right options.
Not with providers who specialise in expat car leasing and subscriptions — most assess affordability differently and many can consider credit history from your home country instead.
A subscription is more flexible and usually all-inclusive (maintenance, breakdown cover, road tax), but can cost more per month. Leasing is cheaper long-term but usually requires stronger credit history and a longer commitment.
Yes — several providers offer business or company accounts alongside personal contracts. See our Business & Fleet Leasing section for how this typically works.
No. We are an independent, newspaper-styled comparison guide. Some links may become affiliate/referral links in future, which we will disclose — always confirm current pricing and eligibility directly with the provider.