Ayvens vs Zenith: which is better? Comparison 2026
By our public methodology Ayvens scores 69 out of 100 and Zenith scores 57. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Ayvens | Zenith | |
|---|---|---|
| Terms | 95 | 86 |
| Access | 60 | 58 |
| Reliability | 83 | 33 |
| Transparency | 0 | 25 |
Pros and cons
Ayvens
- Low down payment
- Long track record as a licensed lessor
- Long term — lower monthly payments
- Part of a banking group
Zenith
- Low down payment
- Leases to companies and sole traders
- Finances used cars
- Early repayment allowed
Facts side by side
| Fact | Ayvens | Zenith |
|---|---|---|
| Licensed / registered as a lessor since | 2005 register.fca.org.uk | 2016 register.fca.org.uk |
| Minimum down payment | 0% ayvens.com | 0% zenith.co.uk |
| Maximum contract term | 84 mo ayvens.com | 60 mo zenith.co.uk |
| Leasing for individuals | Yes ayvens.com | Not verified |
| Leasing for businesses | Yes ayvens.com | Yes zenith.co.uk |
| Used cars | Not verified | Yes zenith.co.uk |
| Early repayment | Yes ayvens.com | Yes zenith.co.uk |
| Leasing products | 6 ayvens.com | 4 zenith.co.uk |
| Part of a banking group | Yes ayvens.com | Not verified |
| Online application | Not verified | Yes zenith.co.uk |