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CITROEN C1

Citroen C1
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 93.33 per month

Renault Clio Estate

Renault Clio Estate
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 101.16 per month

VAUXHALL CORSA Hire Purchase

Vauxhall Corsa
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 110.05 per month

TOYOTA AYGO

Toyota Aygo
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 112.18 per month

Vauxhall Astra Hire Purchase

Vauxhall Astra
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 120.87 per month

KIA Rio

Kia Rio
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 121.12 per month

VOLKSWAGEN UP

Volkswagen Up
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 122.52 per month

VOLKSWAGEN POLO

VW Polo
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 123.77 per month

Vauxhall Astra Estate

Vauxhall Astra Estate
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from
126.52 per month

PEUGEOT 308

Peugeot 308
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from
154.23 per month

Citroen DS3 Hatchback Special Edition

Citroen DS3
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 156.22 per month

FORD FOCUS

Ford Focus
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 161.76 per month

RENAULT CLIO

Renault Clio
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 164.22 per month

MAZDA 6

Mazda 6
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 192.78 per month

NISSAN JUKE

Nissan Juke
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 170.18 per month

Hyundai I30

Hyundai i30
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 177.12 per month

FORD FIESTA

Ford Fiesta
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 181.32 per month

Mini One Hatchback

Mini One
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 182.83 per month

Volvo C30

Volvo C30
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 182.45 per month

PEUGEOT 3008 Estate

Peugeot 3008
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 188.23 per month

Vauxhall Insignia Estate

Insignia Estate
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 192.65 per month

HONDA CIVIC

Honda Civic
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 197.34 per month

VOLKSWAGEN PASSAT

Volkswagen Passat
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 198.72 per month

AUDI A1

Audi A1
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 198.73 per month

AUDI A3

Audi A3
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 202.35 per month

VAUXHALL ZAFIRA

Vauxhall Zafira 7 Seats
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 207.88 per month

Mitsubishi ASX

Mitsubishi ASX
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 226.98 per month

KIA Sportage 4x4

Kia Sportage
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 245.68 per month

NISSAN QASHQAI

Nissan Qashqai
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 258.23 per month

PEUGEOT RCZ

Peugeot RCZ
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 259.32 per month

Mini Countryman

Mini Countryman
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 262.65 per month

AUDI A4

Audi A4
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 263.73 per month

HONDA CR-V

Honda CR-V
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 265.44 per month

MERCEDES E CLASS

Mercedes E Class
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 312.65 per month

LANDROVER FREELANDER 2

Freelander 2
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 282.65 per month

Jaguar XF

Jaguar XF
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 285.67 per month

BMW 1 SERIES

BMW 1 Series
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles

from 292.50 per month

AUDI A6

Audi A6
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 293.47 per month

AUDI A5 Sportback

Audi A5
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 297.56 per month

BMW 3 Sport Estate

BMW 3 Estate
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 302.69 per month

BMW X1

BMW X1
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 309.22 per month

MERCEDES C CLASS

Mercedes C Class
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 312.17 per month

MERCEDES A CLASS

Mercedes A Class
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 317.65 per month

BMW 5 Estate

BMW 5 Estate
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 330.12 per month

MERCEDES CLS

Mercedes CLS
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 454.23 per month

Jaguar XJ Series

Jaguar XJ
Good or Poor Credit Hire Purchase Deals
Drive Free Unlimited Miles
from 487.43 per month

Hire Purchase Car Finance

Hire Purchase Car Finance Deals
The Best and cheapest HP Good or Poor Credit Hire Purchase Deals Deals with or without a deposit car leasing for Businesses and for personal hire purchase. Ex Demo Leasing Vehicle Solutions. Flexible terms when buying a new or used car to suite your budget and life style.

Hire Purchase HP Car Finance Leasing!
Hire, purchase and own these cars. Hire Purchase Car Finance is popular with people with good or poor credit history and for those who want to own the car at the end of the lease.

Employee Car Leasing Schemes

Ex Demo Finance Car Leasing

Hire Purchase Car Finance Forum & Reviews

Long Term Car Hire I am sceptical about car leasing and would like to know how it works. I would like a new car as I need a car with more room now I am expecting my first child but at a price that is going to be manageable thank you, I look forward to hearing from you

To keep it simple. If you buy a car you have to pay for the whole value of the car and if you want to change it in 4 years time you will have to find a buyer and sell it. You will have to either pay cash for the car or take a loan and pay the interest to pay for the car.

If you lease a car, you only pay for the use of the car and not the whole value. If the car cost 10,000 to buy and after 4 years you wanted to sell it, lets say you get 4,000 for it. When you lease you pay for the 6,000 plus interest. That technically saves you 4,000, plus you don't have to sell it or find a buyer as you just hand it back to us. Insurance, taxes and servicing applies to both circumstance when you buy or lease.

Now when leasing, you can pay back the money on a monthly basis. Some deals come with no deposit (if you have good credit) and other good deals require a small deposit. If you lease from a dealer they might ask you for 3 or 6 months payments up front. We don't with our cars that are on offer. Did this make sense? Do you need to know something else? Or get the ball rolling and get you a firm quote?


Hi, I submitted an application and was wondering what the status was?

As discussed once you are in a position to provide your advisor with your bank information he can then process a credit application and start looking for a car that suits your needs. It does appear as though we should be able to get a successful approved application with our panel of lenders, so look forward to hearing from you.

I just wanted to confirm before going ahead with the credit application that you think it is likely that you will be able to find me an auto audi a1 or a3 that is less than 1 year old with low mileage for around 200-250 a month with no more than a 500 deposit as this is what I'm looking for so do not want to have a credit search run on me if this is unlikely. I look forward to hearing from you.

You are more like to get a slightly used Audi A1 on a Hire Purchase finance agreement that will be within your budget.

I was looking to get an Audi A3, this is the sort of thing I would be interested in but would prefer the car to have a smaller engine and slightly lower monthly payments.

You can have either cars on a HP agreement but it will be more like 240 a month for such expensive cars.


I made an enquiry on your website yesterday and was contacted today by someone from your credit finance team. I sent them a picture to say this was the sort of thing I was looking for or a BMW 3 series. I gave them approval and they ran a credit search and only after told me they do not offer the deal as they only offer deals on used cars. I said this is a used car. They said it is a lease deal and they do not offer lease. I said it says hire purchase on it. I am not happy because that company has now run a credit search one and cannot offer me deals that I am looking for. Please can someone call me to discuss.

I have looked into the deal for you and it would appear that you are a bit confused by the wording on our site which is why you also sent the screen shot to your advisor. I have listened to the call with a Senior member of Management and also spoken to your advisor and everything that he mentioned to you was factually correct.

Then why can I not have a contract hire on a used car? It is a used car than I want.

Contract hire is for brand new cars only. PCP Personal Contract Purchase is for used cars. You can't have a true leasing product on a used vehicles, you can only have PCP or HP which is what your advisor tried to explain. So basically, if you require true leasing then the only option is CH as in Contract Hire on a new vehicle.

What Lease Purchase?

PCP and LP work in a similar way to leasing, referring a third of the monthly payments to the backend of the agreement which in turn makes the monthly payments more affordable and did explain that this is how we advertise the deals. You were proposed to Barclays and we received an acceptance this afternoon. Your advisor is going to call you shortly and advise that we have an acceptance in place and to advise that he has found a couple of cars for you within your monthly budget.

You might like to look at these popular ways to finance your next car.

Popular Finance Types Car Leasing Finance Options Explained Return Vehicle Balloon Payment Charge Extra Miles
Hire Purchase You pay nothing extra to keep vehicle at end of the HP agreement and you can drive unlimited free miles No No No
Personal Contract
Purchase
Option to purchase by paying deferred balloon payment, return or part exchange with a guaranteed future value Optional Optional Yes
Contract Hire Most vehicles have to be returned and some you can buy Yes No Yes
Lease Purchase Must purchase vehicle by paying the deferred balloon payment No Yes Yes
Personal Loans With over 200 car finance lending options, choose a car from any dealer or our advisors help you find the perfect car No No No

Many thanks for explaining this to me

Your welcomed


I would like a Citroen C1 Hatchback 1.0i VTR 5dr for 24 or 36 months and I do around 8,000 miles a year.

The Citroen you picked is not available. Is this your only choice or would you consider other similar vehicles like the ex demo cars or the HP car deals which work our far cheaper?

Do you have any other C1's available at all for personal leasing on any basis, I would prefer a vtr model, 5 door.

Sorry there are no 5 door C1 available. There are really small to have doors. However, I will send you a deal that is showing up as available. Why would you want to pay so much for this Citroen?

I'm looking for a smaller car for every day town driving but really need a 5 door just for ease of carrying kids around! Obviously looking for it on the cheapest deal avail but would prefer to have something that looks a bit more "sporty"! What other vehicles do you have an option for?

In my personal opinion, I think the C1 is a very dangerous vehicle to be carrying around kids, compared to other bigger family cars, wouldn't want to crash in one of those. For something safer, 5 door and around 120 to 150 with vat I recommend something like the Micra, Polo, Spark, Corsa or Fiesta from the ex demo HP range. Which one would you like a quote?

Can you get me a quote on a corsa and a fiesta please?

Forgot to say the best deals work out if you lease for 4 years but you can give back or swap the car after 2 years.


Can you explain what the numbers are all about? Does the customer have to give a deposit? Who pays the credit facility deposit? Who pays the completion fee? I assume the customer pays the 330.12 x 60 months? Can you help me here please?

When a customer cannot get a car lease from the normal main stream funding facilities, then we have to turn to alternative funders who base the car leasing on no deposit deals. Basically they offer a glass guide retail advance, the credit facility is built into the payment and included in that monthly figure, the completion fee is on top of the last payment. Yes the customer pays the 60 payments of 330.

Can you do me a better price than that?

Don't forget we are offering you a HP deal, which mean hire purchase, as in you get to keep the car at the end of the lease. You are not hiring it to give it back but to keep it and either keep driving it, sell it and make some money or use it as a trade in deposit for another car.

Oh, I see. Still can you do me a better deal please?

We may be able to offer it a bit cheaper it all depends on the tier you are approved on. Some companies advertise the deals slightly lower and say subject to status and have the higher tier reason to fall back on.

As for deposits go, we have another lender who write that bit deeper however they will only offer a trade lend, so deposits will vary between glass guide trade and what we have given for the car, if we were to ask for a 600 deposit we may still need more or in some cases less.


I'm looking for a Nissan Juke / qashqai type vehicle for no more than approx 250 p-m incl vat. For 2/3 years. Can pay small deposit, but preferably no deposit. Can you help?

Sorry the Juke you picked is not available at the moment. However there are plenty of other Juke models available. Is this your only choice or would you consider other similar vehicles?

I take it when you say the Juke is not available, means that the stock showing online is incorrect? What other vehicle do you class as similar to the juke that is available?

There is a Juke in stock at the dealership, but not the one that you picked. The other models are listed as they can be in stock at any given time, but as you have bad credit the cars are specific.

What cars are available for bad credit and are they brand/fairly new and what sort of prices?

The good car deals are the ex demo, most cars are 6 months, some a year old to a couple of years at the most. In excellent condition and include manufacturer's warranty. With your budget of 250 possibly a Fiesta, Focus or Astra type vehicle. Depends on your credit score. Would you like me to start quote process?

A fiesta would be too small, but an Astra or focus type sized car would be ideal for us. Yes if you could go through the application process and see what's available.


I'm looking for a Audi A3 sized car which is at the top of my budget spend.

The Audi A3 is not available. Is this your only choice or would you consider other similar vehicles in stock maybe from the ex demo range where the prices are much lower?

Yes I would consider other options, the cheaper the better. Please provide me with the prices for a 1 month lease, and also prices for longer term. I would also like to know if insurance is included, and any other details/additional charges I may incur?

For 1 month lease? not sure what you mean? if you mean to hire a car then try our sister website www.hireinuk.com and compare the partners. If you mean 2 to 4 years lease then email me.

Thanks, I'll check out that site. Please do send me through similar options to my initial enquiry, and answer the question about insurance.

Hi again at www.hireinuk.com Best NHS  the insurance and maintenance is included in the prices. At time4leasing the insurance is extra.

That's great. Please do send through your best alternative options for a two year lease on something similar to the Audi A3. The ex-demo range would be a good idea.

So we are on the same path, I assume you mean something in the region of 210 + vat per month? Higher or lower? For lower there is the Insignia and Insignia estate with free built in satnav within your budget or a BMW 1, Golf and some other vehicles. What would you like?

They all sound interesting. Basically, I'm looking for something similar to the Audi A3, which was around the higher end of my budget. The cars you mentioned sound about right. I will use it to go on a few longish UK journeys, so don't want anything too small, like a city car. If you could send me through the options you have I would appreciate it.

I will resubmit your request for a quote for the Golf, then you can discuss with my colleague other good vehicle deals and the best options.


Can some one please ring me because I cannot seem to find your telephone number?

We give out the correct telephone number to our customers once we know roughly what kind of car and type of lease is best suited. This keeps the costs down and we pass the savings to our customers, as you have seen from our cheap prices. Can you first provide a bit more information about yourself and what kind of car you are looking for and if your credit history is good, fair or poor?


Hi I'm looking for a 24 to 60 months Annual miles and approx 8,000 I need a family car ASAP. Our car is no longer a runner and we urgently need a vehicle. Please have someone call me ASAP. I prefer to speak with someone rather than do this on the net. Many thanks

That will not be a problem. I will get a team member to call you and discuss the best options.


Hi. I made a cautious query regarding bad credit leasing. Still waiting to hear back. Can you give me any more info?

Hi, hotmail does not like automated emails so you were now sent an email manually. Did you receive and update? plus a text message? Cautious? in what way?

Because I don't believe my credit is sufficient to apply for any of your products. No I've had a automated email that's all. I'm earning good money and rebuilding my credit, but the past has left my credit rating rather poor very poor in fact.

Our systems are saying that you have been provisionally accepted, so that is good news. We should have a solution for you. It is just now one of the account managers needs to work on a proposal for you, that could take a few hours.

Yeah ok, again provisionally doesn't really mean anything. I'm obviously aware the deal I'd be looking for may not be available. Do you have a separate batch of vehicles available only on bad credit or can all vehicles be considered?

Most cars are available as long as if they are used or nearly new, but not brand new and depends on your affordability. With bad credit leasing customers are more likely to be approved for a hire purchase lease, where you pay to keep the vehicle, do unlimited miles and you get to keep the vehicle at the end of the lease without the need to pay a balloon payment. A used BMW 3 Touring would probably cost something like 250 to 350 a month over a 5 year agreement. Same car for over 2 years would be double the money as in 500 to 700 a month. Does this make sense?

Ok thank you look forward to hearing from you. Yeah totally, I'm open minded to length and cost if vehicle is the right one. I'd probably prefer the hire purchase option.

Your account manager advisor will speak to you shortly.


Hi, I've already applied before, please don't put me in touch with the same credit broker this time, they couldn't help me! I want non status leasing!

Hi, with regards to Non Status Leasing, time4leasing mention it but we do not offer it. As I understand it companies that do offer this service charge astronomical prices. If this is what you need then I'm afraid we cannot offer it.

What a joke, not surprising you've hidden your phone number off your site and had to look really hard to find your contact details, you don't process any of this yourself, you're purely just a referral company who miss represent the products?

Time4leasing.co.uk does not sell, deliver or provide any financial services itself and only acts to provide you with suggestions, reviews and about where we think the best and cheapest places to buy from are.

I spoke to your credit brokers last time and they advised only 5 year leases available and it was subject to a credit check, not what your site states?

Not sure where the problem is, the offer you picked was advertised by our suppliers, who are one of our preferred and best suppliers. When it comes to bad credit leasing, so to get the price down the payments are spread over 5 years. However, you can pay this a lot sooner but obviously the payments will be higher.

How come I cannot speak to you over the telephone direct and I have to speak to one of your suppliers?

We do not advertise our own telephone because recent regulations forbid us to discuss customer financial matters. Only companies that are FCA regulated like our car leasing credit brokers are allowed to speak to you, otherwise we will be in breach of the law and financial regulations. We are not hiding anything, if you read the about us page and the T&C's it will explain in depth how Time4leasing works.

It seems I've gotten my knickers in a twist. Sorry, it is just this is all new to me and I'm trying to get my head around how to obtain a car.

No worries. You have been approved for Hire Purchase. You may contact your advisor who will help you with the paper work and delivery of your car.


Hi, I am looking to personal lease a vehicle, not purchase. My mileage is 7-8K Miles per year, with ideally a 3 year contract. I am looking for a SKODA OCTAVIA.

Hi, when customer's have bad credit history the lenders will only look at Hire Purchase (HP) or Car Finance. The only time a customer can lease a car, as in Contract Hire or Personal Contract Purchase (PCP), is if they have good or excellent credit history. The good with Hire Purchase is that you can drive unlimited miles and the car is yours to keep at the end of the term.

Not an issue I really don't want to own the vehicle, I just want it for 3-4 years and then swap it ideally.... HP payments due to taking out a loan for the full value means my payments would be too much sadly. I assume my options are pretty limited sadly. Are there any options with guarantors or other people taking finance out for me available do you know?

I guess with HP you will be left with a fully paid car at the end of the term and you can then use it as a deposit or sell it to raise some extra funds. You can use a guarantor who has a better credit score and as I understand it the payments are taken out of your bank account and not theirs. Obviously if you do not keep up with the payments the car will be taken off you. So ideally you must keep up with the payments. You can ask your advisor how you can do a joint application and include a guarantor.


Hi, Why have you done that? I didn't enquire about a loan, I enquired about leasing and paying monthly.

Hi, I'm afraid to be able to lease a car, as in pay monthly rentals and then give the car back at the end of the agreement, customers are required to have good credit history. These solutions most times have restrictions, like you can only do certain miles per year and you have to keep the vehicle in excellent condition, etc.

So, what do you suggest I do?

When customers have poor or bad credit history the options usually suggested are either hire purchase or a car loan for used cars. In these cases, you get to keep the vehicle at the end of the agreement and you can do unlimited miles without any penalties. The car basically becomes yours.


Top 100 Hire Purchase Car Finance Clients
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Administrative Occupations: Government And Related Organisations

Personal Services Occupations n. e. c.

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Ambulance staff (excluding paramedics)

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No Deposit Car Leasing - 50% off Manufacturer List Prices and Pay Nothing up front.


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This is a free independent car leasing comparison service provided by Time4Leasing a trading style of White Hat Projects Limited. We are an appointed representative and work with companies that are fully authorised and regulated by the Financial Conduct Authority. The financial related content, vehicle specifications and reviews are for information purposes only and does not constitute tax and finance related advice and we recommend that all company car drivers double check this information with the provider before committing yourself. Car Leasing Finance is subject to status, income and applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

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Time4Leasing can introduce you to a limited number of partners who may introduce you to a selected panel of finance providers based on your credit rating and we may receive a commission for such introductions.
We are authorised and regulated by the Financial Conduct Authority with Registered Number 735073  | Registered in England & Wales | Company Number 07764808

Time4Leasing Head Office Contact Details: Business Central Boulevard, Blythe Valley Business Park, Shirley, Solihull B90 8AG
 

 

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