Request for lease contract
How can I request an offer?
If you do not wish to order the selected car yet, you can also save the offer. Select the ‘Print’ option next to the order button. You can print the offer or save it as a PDF file, depending on your settings. The offer is valid for 14 days or as long as stocks last.
Why do I have to pay more when I have no Dutch driving licence?
If you have no Dutch driving licence the dealer can't register the car in your name when you collect it. As a result of this Alphabet misses out on a VAT advantage. By adding the option “Geen Nederlands rijbewijs” in step 2 you can make sure you apply for the right lease rate.
Is there an age limit for Alphabet Private Lease?
The minimum age is 18 years. Alphabet applies no maximum age.
Can Alphabet help me to sell my current car?
We are happy to help you with this, because we find it important that this does not lead to any hassle or disappointment for you. To make this possible we work with Emil Frey Car Trading.
How do I determine the number of kilometres I travel?
Sometimes it is difficult to estimate the annual number of kilometres you travel. Think about your personal situation and whether you expect important things to change in the upcoming period in your life. Think about:
- summer and/or winter holidays
- family visits and sports
- business trips
Why am I financially assessed?
We believe the contract between you and Alphabet should be well-balanced for both parties. EDR Credit Services performs the financial assessment and acceptance for us. This aims to limit the risks of payment problems. EDR Credit Services applies the ability-to-pay standards as prescribed by Keurmerk Private Lease.
What is an ability-to-pay standard?
The ability-to-pay standard is the amount that a consumer must always have available for living expenses. Your minimum basic standard is first determined based on your family situation (Single person - Single person with children - Married/cohabiting - Married/cohabiting with children). Your ability-to-pay standard is then determined based on this basic standard and your total net income.
How is the final ability to pay determined?
Besides the ability-to-pay standard, your housing expenses and certain other fixed costs, where applicable, are also taken into account. These are maintenance, child care costs, other exceptional fixed costs and existing financing costs. For example, unused credit lines on your current account or credit card will also be considered. By deducting the above costs and the ability-to-pay standard from your total net income, your financial ability to assume further obligations is determined. In this case, the monthly lease instalment.
If you want, your partner can co-sign the contract. The ability-to-pay standards for cohabitants or married couples are higher than for single persons.
What does Alphabet do with the National Credit Register?
We check your current financial obligations and whether there have been any payment arrears at the National Credit Register (BKR). If you drive an Alphabet lease car, we also report this payment obligation to the National Credit Register. Keurmerk Private Lease has determined this must be 65% of the total amount. In this way, you can also be sure of responsible future payment obligations.
If you enter into a 24-month agreement with an instalment of €250,-, a payment obligation of €3.900,- will be registered. This is calculated as: (€250,- x 24 = €6.000,-) x 65% = €3.900,-.
If you are planning to apply for a mortgage, a private lease contract has an effect on the maximum amount you can borrow. When you already have a mortgage and you want to start private leasing it will not affect your current mortgage. So it's important to ask yourself whether you want to take out a mortgage soon and how much money you think you will spend on this.
If you are in payment arrears with us for an extended period, we will report this to the National Credit Register under its rules. Before this happens, we will already have contacted you several times.
How is my creditworthiness checked?
EDR Credit Services works on Alphabet’s instructions to financially approve your application. Financial approval consists of these steps:
- Supplementing/adapting personal data
- Automated credit assessment
- Supplying required documents
- Review of your application by a credit analyst
- Final recommendation by EDR Credit Services
To further process your application for the Private Lease car, we need information about your family situation, source of income and monthly expenses. EDR Credit Services will send you an e-mail with a link to the EDR lease portal. You can submit the required information there. For quick processing, please provide the following within three days of the request:
- A copy of your driving licence (front and back)
- A copy of two payslips and bank statements in your name from the last two months, showing the income and housing expenses (rent/mortgage), including rent allowance, if you are employed.
- A positive declaration of intent/employer’s statement, if you are employed on a temporary basis.
- A copy of a benefit/pension specification if you receive a benefit and/or pension.
- A copy of the most recent financial statements (private limited company/commercial partnership) if you are an independent entrepreneur or three recent bank statements if you are a sole proprietor.
- Proof of monthly housing expenses
When will my car be delivered?
Once we have received the signed lease contract, your new car will be ordered from the dealer. You will then receive notice of the expected delivery date from us. The expected delivery date is based on the information we receive from the dealer. Unfortunately, Alphabet has no influence on the expected delivery time (or any delays).
Is the car definitively ordered after ordering online?
No, once you have placed your order online, you will receive an e-mail confirmation with the next steps. This also states which information we need from you for the financial acceptance. When these steps have been completed, you will receive the lease contract and the car can then be definitively ordered.
Can I also pay a deposit?
It is not possible to pay a deposit.
What additional securities can I include in my contract?
Think carefully in advance about which extra conditions, options or accessories you want to include in your contract. Think for example of adding replacement transport abroad. It is easier to add these options immediately. This prevents unnecessary interim contract amendments.
For an extra amount per month it is possible to add to the lease contract with e.g. all-season tires, tow bar, replacement transport abroad, driver and passenger insurance (schadeverzekering inzittenden, SVI) or a lower deductible excess (€225,- in stead of €450,-).
Can I add other options and/or accessories than those listed on the website?
No, this is not possible. We offer all the options for the selected private lease car on our website. This also applies to the colours of the car.
Can I add anything to the contract after the car has been delivered?
Sometimes it's possible to add contract options after your car has been delivered. Think for example of additional insurance or the option 'replacement car abroad'. It's more difficult to add items to the car after delivery. Options can never be added after delivery. In other cases it's best to contact us and we'll be happy to see if we can arrange this for you.
Can I choose the supplying dealer by myself?
Unfortunately, this is not possible. We can offer our competitive prices due to purchase agreements and selecting the supplying dealer ourselves. We take into account your place of residence as much as possible. We sometimes have a sales promotion with a selected dealer. In this case, the distance may not be ideal for you. In that case you can use the Alphabet delivery service.
Can my car also be delivered to a location of my choice?
Yes, that is possible. If you cannot collect the car yourself, you can choose the delivery service. Let us know in good time so we can plan everything for you. Delivery costs €115,-.
During your lease contract
How will my monthly instalment be charged?
Our standard procedure is to collect monthly instalments by direct debit. We collect around the second working day of the month to which the invoice relates.
Why is the amount on my first invoice different from the lease instalment in the contract?
The lease amount on the first invoice consists of the instalment at the time of delivery and for one month in advance. This is why the amount on this first invoice differs from the monthly lease instalment in your contract. The private motor vehicle and motorcycle tax (BPM) and holdership tax (HSB) are shown separately on the invoice, because no VAT is payable on them. These components are included in the lease instalment. The collection date is always mentioned on the invoice. The first invoice is followed by a monthly invoice with a contractual lease instalment.
Why must I pay VAT?
Regular citizens pay VAT on everything they buy. VAT stands for value-added tax. Like all other taxes, it is an additional source of revenue for the government and is imposed as a levy on any product or service.
Can I change the number of kilometres in my contract?
If you occasionally drive more kilometres, it is usually more advantageous to pay for the additional kilometres and not amend the contract. If you consistently drive more kilometres than estimated in advance, you can increase the annual number of kilometres during the contract period. We will send you a statement of the new monthly instalment based on the higher annual number of kilometres.
It may happen that your contract is no longer appropriate due to drastic changes in, for example, your home-work situation. If that's the case, please contact us. We would like to discuss with you whether there are possibilities to change the contract.
How is a replacement car arranged?
The costs for the first day (24 hours) that you use a replacement car are for your own account. The supplier of the replacement car has no insight into the agreement we have concluded with each other. Therefore, please note that the first day you have a replacement car you always have to pay for it yourself.
When the repairs take longer than 24 hours, Alphabet pays the costs after the first day. Alphabet offers an A category car, such as a Peugeot 108, as a replacement car. If you have also chosen for the contractoption 'replacement car abroad', you get an equivalent car.
May I also take my lease car on holiday abroad?
Yes, as long as that country is not excluded from the green insurance card. Please check this in advance.You may also have assistance abroad with an Alphabet Private Lease contract. We recommend you also include the option of replacement transport abroad in the contract. You may then have replacement transport in an equivalent vehicle category. Replacement transport in the Netherlands is included in the lease contract as standard.
May other people also drive the car?
We have no problem if your partner or family members drive your private lease car, provided they have a valid driving licence under Dutch law. The car cannot be offered and/or rented to others for payment.
What happens if the car breaks down?
We always offer you breakdown assistance in the Netherlands and abroad. In addition, we pay for the replacement transport in the Netherlands after 24 hours. The first 24 hours are for you own costs. If you have included the option of replacement transport abroad in your contract, you may also have a vehicle from an equivalent category as a replacement after 24 hours.
Where are car maintenance and/or periodic vehicle inspections performed?
Maintenance and any periodic vehicle inspections are performed by an Alphabet Service Partner. You will automatically be notified by e-mail when it is time for maintenance and/or a periodic vehicle inspection. With that e-mail we will also inform you about which Alphabet Service Partner you can make your appointment at. We will always select an Alphabet Service Partner near you. You also have the option to use our free collection and drop-off service.
Which insurance is included and which one are optional?
The car has third-party cover (statutory liability, wettelijke aansprakelijkheid in Dutch) as required in the Netherlands. This is coverage for damage, loss or injury caused to others. There is also comprehensive insurance (casco), also called all-risk cover. This insures damage to or theft of the car. Damage to personal property or personal injury are not covered by the comprehensive insurance.
To insure personal property damage or personal injury resulting from an accident, you can take out driver and passenger insurance (schadeverzekering inzittenden, SVI). This is optional. Personal injury and damage to your personal belongings are not covered under the comprehensive insurance.
What is not covered?
Legal representation relating to traffic and redress matters cannot be insured through Alphabet.
For which activities am I not allowed to use the car?
You may not use your lease car for driving lessons, races, skills competitions or other activities not considered regular car trips, as your car is not insured for these situations.
Where can I find the insurance conditions and my international motor insurance card?
You will receive these as standard with your lease contract, but they can always be accessed here on our website.
The international motor insurance card is a certificate which proves that your current car is covered by the insurance. In the Netherlands this is better known as the “groene kaart” or literally translated “green card”. This definition can be misleading since this certificate does not have to be green per se in most use cases, but rather can be shown in black and white or digitally. You can request a digital version in your private My Alphabet account or in our app AlphaGuide. So you'll have your international motor insurance card with you at any time.
Where can I report damage?
Are the premium and the personal contribution in the event of damage fixed?
The insurance premium is fixed during your contract. Alphabet can only adjust the premium if changes are imposed by the government. A standard personal contribution applies to any non-recoverable damage. This is € 450,- or € 225,- if you have chosen to reduce the deductible. You can read in your lease contract which deductible applies to you. It is possible that the amount of the damage is lower than your deductible. In this case, of course, you only pay the amount of the damage and not the full deductible.
What about my claim-free years during my private lease contract?
Claim-free years are recorded for three years in the ROY data system (database for non-life insurers), after which they expire. Depending on your insurer, you may be able to transfer them to a family member, such as your partner.
Under the bonus-malus system, claim-free years are not accrued at Alphabet Private Lease. However, you may request a claims report from us by sending an e-mail to email@example.com . This report lists the instances of non-recoverable damage with the costs and cause of the damage. Insurers will decide for themselves whether to grant you a premium discount based on the claims report. This differs from one insurer to another.
How can I change my personal data?
If your personal details (e.g. your bank account number or address) change, you can report this by email or phone (076-2042803). You can also change this type of data yourself in MyAlphabet. This is your personal Alphabet environment, in which you can change your data. In addition, you will find information about your contract and invoices here.
At the end of your lease contract
Can I buy the car at the end of the contract or extend my contract?
At the end of your private lease contract you have a couple of options. Of course you can choose a new private lease car, you can buy a car or you can extend your contract. If you want to buy a car, it might be interesting to buy your private lease car. The advantage is that you know exactly what the history of the car is. Three months before the end of your contract, you can contact us to inform about the acquisition price. You can do this without any obligation.
You can extend your contract as long as the maximum term that we offer hasn't been expires yet. Depending on the contract you have and the type of car you drive, we will calculate your new monthly amount. In some cases, it is possible that your monthly amount will remain the same or even become cheaper. We will be happy to find out for you what your new monthly amount will be if you extend your current contract.
Is it possible to end a contract early?
Yes, this is possible, even within the first year. We will then settle any additional kilometres with you and you will pay a cancellation fee. You can also transfer your contract to someone else, for example a family member or a friend. Of course this person has to be financially assessed as well.
Are there any charges if I wish to end the contract early?
In the unlikely event you wish to return the private lease car earlier than the end date of your contract, we will charge you a cancellation fee. The cancellation fee depends on the number of months you still have to go until the end of the contract, which is also called the remaining term. The remaining term is therefore the number of months calculated from the early return of the car to the end date of the contract.
How is the cancellation fee calculated?
To calculate the cancellation fee, the remaining term is expressed as a percentage of the total term of the contract. The table below shows you how many instalments the cancellation fee amounts to.
Remaining term of the lease contract expressed as a percentage:
From To Number of instalments
0% 25% 2
25% 50% 4
50% 75% 5
75% 100% 6
You have a private lease contract for 48 months with a monthly instalment of €250,-. You wish to end the contract after 30 months. The remaining term is now 18 months, i.e. 37.5% of the total term. Your remaining term falls within the 25 - 50% period in the table. The cancellation fee amounts to four instalments, which in this example is 4 x €250,- = €1.000,-. The maximum cancellation fee has not yet been considered in this example.
What is the maximum cancellation fee?
1. We will never charge you more than 35% of the total remaining instalments.
If you wish to end the contract after 45 instead of 48 months, you would pay two lease instalments (2 x €250,- = €500,-) as a cancellation fee in accordance with the table. After all, the remaining term is now three months, i.e. 6.25% of the total term. However, 35% of the total remaining instalments is 35% x €750,- = €262,50.
Based on the maximum cancellation fee, your costs in this example are therefore not €500,- but €262,50.
2. Besides the maximum percentage that we apply for the cancellation fee, this fee is also capped at the difference you would have paid if you had contracted for a shorter term at the outset.
In the first example, you paid instalments for 30 months at €250,- and the cancellation fee was set at €1.000,-. The 30-month period cost €7.500,- + €1.000,- = €8.500,-.
Had you immediately chosen a 30-month period with an instalment of €275,-, for example, you would have paid €8.250,- over 30 months. This is €250,- lower, so the cancellation fee will be €750,- instead of €1.000,-. This way you can be sure that you never pay too much for your lease car!
How are additional kilometres calculated?
Besides the cancellation fee, any additional kilometre payments will be charged proportionally.
If you end the contract earlier, the permitted number of kilometres will be based on the actual term. Any additional kilometres will then be settled at the rate specified in your lease contract.
You have concluded the contract based on 15.000 kilometres per year for a period of 48 months with a additional kilometres rate of €0.05. You wish to end the contract after 30 months, with 40.000 kilometres on the odometer.
This means 1.250 kilometres (15,000 ÷ 12) are included for each month. After 30 months, the maximum number of kilometres is 37.500. You must therefore pay an additional amount of €125,- (2.500 x €0.05).
If you have already paid for some additional kilometres and need not pay or have to pay less when the contract ends, we will refund you the difference.