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Long Term Car HireQuestionConvertible coupe. NOT low profile tyres!! Prefer emails to phone calls. No Third party emails, no phone calls or texts, please.

AnswerHere at Time4leasing we take privacy as seriously as you do and believe that it is your right to control your personal information. At Time4leasing we only collect the minimum amount of information about you necessary to provide you with the great experience that you should expect from this website.

QuestionIt is just that in the past I have had bad experience with other companies.

AnswerUnless you have informed us not to do so, your details may be passed to a third party partner in situations when this is required to achieve our work. Time4leasing is a car leasing and car finance broker. We are not the lender or the supplier. We will put you in touch with one of our partners to enable us to provide you with the best possible car leasing proposal.

QuestionSounds good to me, sure carry on.

AnswerYou may like to give our preferred suppliers a chance to try and find you the vehicle that suites your needs on a good deal or if you wish you can cancel at any given time, but you do need to let us know.


QuestionProbably the worst possible telephone calling system Iíve experienced.

AnswerWe only take phone calls once our customers have applied. This keeps our costs down and one reason we can offer these cheapest car leasing deals. We are a car leasing broker, not the lender, nor the supplier. Once we know your requirements, we take them into account and put you in touch directly with one of our suppliers.

QuestionYou have a number on your website though? And most leasing companies do have contact numbers so just found it odd thatís all.

AnswerIf you phone our number, you will be put into an automated system that will direct you and inform you how we work. We are not like other companies. We love efficiency. Plus, because we lease brand new cars, used cars and offer deals to customers with good and bad credit history, our options are endless. We prefer our customers to fill in a form which asked the basics and then our automated will put you in touch with the right department, saving you too time and money.

QuestionOK, I got it now! Iíve seen a good deal on your website, VW T-Roc and just wanted to know more about the car itself - I can pay the £800 deposit or whatever it is and my credit score is perfect.

AnswerThat is fine, based on this info you provided I'm going to put you in touch with our department that deals with brand new cars. They will provide you with a name and a direct contact number for you to speak to an advisor if you wish, or you can do all this via email and text.

QuestionCan I get some more information please for an Audi A1 1.2TFSI SE ?

AnswerVery sorry currently the A1 is not available. However, they may come back into stock. Is it your only choice or would you consider other similar vehicles if the price was right?

QuestionThank you so much for getting back to me how about the A1

AnswerNone of the A1 are in stock. However there is an ex demo Audi A1 available if you are interested? If you are only after this specific model, I'm sorry I cannot help you unless you pick something similar.

QuestionThanks for getting back to me :) Ok so you don't have any Audi's Do you have any new golfs or the mini countryman? Thank you

AnswerYes there are some golfs and the mini first and convertible, BMW 1 series Sport, plus others. What I can do is resubmit a request for a Golf and then you can discuss other available vehicles and good deals with my partner once you get a firm quote and full contact details. kind regards

QuestionIf possible can you let me know today.

AnswerYes you will have this in a few minutes.


QuestionHello can you have a quote proposal for a brand new VW Fox please?

AnswerI'm afraid Volkswagen have stopped making the VW Fox.

QuestionCannot you get any VW Fox cars anymore? I can see you are promoting it still. I was also thinking of the Peugeot 107 and the Citroen C1 but not very keen on the glass boot.

AnswerItís a good point but we struggle funding the VW Fox car with a prime funder on a lease package due to the age of the vehicle. They stopped manufacturing the VW Fox in late 2011 with a hand full of cars being registered in early 2012. We feel the VW UP has now taken its place. The majority of customers enquiring on the VW Fox have been up-sold into the VW UP. We have sold 36 VW UPís in the last 3 months compared with 2 VW Foxís. I have replaced the price point for the VW Fox with the C1 and 107. We do still have x2 10 plate VW Foxís in stock hence why our subprime for bad credit leasing  are still promoting the car on a Hire purchase basis.

QuestionAll makes more sense now that you pointed this out. In that case, I would prefer you got me a good deal on the VW UP.


QuestionHave you heard about this new legislation about companies have to pay more tax if their fleets have high co2 emissions? I think a lot of companies will either lease new cars or turn to personal car leasing. Probably force many of their staff to lease their own cars. What do you think will happen with the market?

AnswerMore and more people are coming away from company cars that only puts us in a stronger position, it is probably something we need to look at pushing. Making people aware of the options if they are considering giving their company cars up, there are a lot of benefits in doing so, its just educating the public.

QuestionWhat do you mean in a stronger position?

AnswerLately we are getting more and more business people asking for car leasing. I don't know if it is because they like the type of deals that we advertise or because of the heavy taxing that the government has imposed or maybe a combination of both.

QuestionCan you tell me what the benefits would be if a business professional leased a car on a personal lease verses given a company car? I could do with this information please.

AnswerTo be very brief the benefits are as follows: In most cases it is cheaper to fund your own vehicle rather than pay a huge amount of company car tax.

QuestionSo you are saying although I work for a company I should lease a personally from you?

AnswerOur deals give the user far more flexibility than a standard contract hire that companies tend to use.

After the term, there is a good chance that the vehicle will be worth something, our deals put them in a far better financial position when they are ready to change.

You are not dependent on the company providing you a car and therefore can not be hold to ransom with it being a perk.

QuestionMy company is taking my car lease back and is going to give me the cash instead.

AnswerIf the company gives you an allowance towards a car, you can use this to cover for the cost of the car, insurance etc, leaving some chance in your pockets. Also, you are not tied in to the terms and conditions of using a company vehicle when leasing privately.


QuestionI'm a Sales Manager for a well known company and I too was wondering if it would be better that I took the car allowance and leased my own car. Would it work out cheaper for a small car or an executive car?

AnswerThe main perk is that it works out cheaper than having a company car. If you are prepared to have a very standard low powered car it is not too bad but anything nice from the executive range of cars becomes expensive.

To give you an idea, a customer in their last company car cost them out of their wage best part of £600 per month, they gave it up and their wage was £600 better. Then he got his wife a BMW X5 and funded their own car for a lot less each month.


QuestionI am a marketing manager and my company will not renew our company cars but instead is giving us a car allowance. I am in desperate need of a car, I don't mind ex demo and on a long lease, but I have a bit of credit problems.

AnswerThat is not a problem, we have specialist funders working as partners and are able to look into your application.

QuestionCan I have any car I like? I was think something executive?

AnswerTo be honest it is a different ball game when it comes to people with any credit issues. Although it all starts with wanting a particular vehicle, in most cases you can only have what the funders will allow you to have based on your credit profile.

For example, a funder might only allow you a borrowing of £5,000, others £15,000 and therefore we need to go out and find a suitable car to suit, if we do not have any vehicles in stock that marry both the customer's profile and the what the funder will lend. I hope this makes sense?

QuestionLet's say the funder only approves £5000 verses £15,000. What do you think I would get?

AnswerFor £5,000 probably a Fiesta, Corsa, Astra, Exeo, Mini, Meriva and plenty more vehicles. For £15,000 probably a top of the range Insignia, Golf, Bmw, Passat and plenty more cars from the ex demo range.


QuestionI work as a Business Development Manager, I'm looking to lease a Golf, Mileage quote on 6k and 8k per year. lease for 2 or 3 years Do you do NO DEPOSIT down on this car? I get a company vehicle allowance but have to have personal contract. I do not really want to have to pay upfront for a deposit. Can you deliver the vehicle?

AnswerI'm sorry the Golf you picked is not available and if it was it requires a significant deposit. If you want a Golf with no deposit or little deposit then there is another deal available. I will send you that deal so you can compare.

QuestionI am interested in the BMW 1 series 120d 3 door auto M sport. I notice it's an ex demo. What colour, spec etc? What is the spec of the Audi TT as well? How quickly could this be arranged? What documents do you need from me? insurance etc?

AnswerPlease be patient as one of the team members get in touch with you with the information you need. Also do discuss the options and anything else you like with them.

QuestionPlease only contact me by email until I am back in the country on Wednesday.

AnswerWhat number can we contact you when you get back to England?

QuestionI am still to receive the details of the BMW and Audi TT. I am looking to make a decision on this ASAP for delivery when I return from Germany.

AnswerPlease provide your mobile phone number so we can call you or when you get to England let us know and we will phone you if you wish as the guys need to ask you a few questions. If you cannot take a call then alternatively they will send you a quote via email.


QuestionMy wife and I are interested in leasing a Tiguan or Audi Q5 or a BMW 3 series estate car. We can put a deposit down of approx 1000 pounds if needed. We are probably looking at 48 months leasing. I have a credit rating of 620 which seems to be classed as poor to fair. I would be interested in the audi ex demo your advertising 2009 reg. wait to hear from you. many thanks

AnswerThat would not be a problem. I will get one of the guys from the subprime funding department to contact you.


QuestionI work for ASDA as a warehouse man and I am looking for something with insurance included also passed my test this week so not sure if the offers are available to me just looking under 250 pm please 7000 miles upwards 3 to 5 years lease.

AnswerGood car deals with insurance included are rare. However, I will send you a quote so you can compare. It is far cheaper to arrange your own insurance. The Fiesta or the Polo are the best cars to lease for the cheapest insurance, specially for new drivers. If you are finding the insurance expensive, you can add your car lease to an existing insurance policy, maybe your mother or father's? It is called multi insurance where you will be the named driver and your relative an additional second driver.


QuestionI'd like to lease a golf, my miles per year would probably be 10k - I have a 2008 corsa with 34k miles on that I would need to sell also . If you part exchange can you pay deposit and clear the small amount on other car? Thank you for help

AnswerYes you can part exchange your car with us and you can use your car as a deposit or just keep the money or use part of it as a deposit for your next car. The problem is the Golf cabrio although listed it is not available at the moment. Is this your only choice or would you consider something similar? If cabrio there is a really good offer for the Peugeot 207 Coupe (hard top cabrio) and the Mini One Convertible. Any of these of interest or would you prefer something else?


QuestionI would like to lease a Golf or Passat on a short term 12 month lease, annual miles are 15,000 miles

AnswerTo lease a car for 12 months - typically the prices are 3 times more than if you leased a car for 2 to 4 years. However, with short term leasing you get insurance, maintenance and everything included. Just need to put fuel in the car. At time4leasing the minimum hire is 2 years. For 12 months hire please go to www.hireinuk.com and pick one of the listed partners and offers.


QuestionPlease quote me for a personal lease for a VW Golf Cabriolet, no or low deposit, don't mind ex demo. Please can you get quotes for the 1.4TSI, 1.6 AND 2.0 diesel Blue Motion SE models. 10k miles pa,36/48 month contract. Another car leasing company have sent me a quote for a Golf today for more than £400 - other sites are showing for ~£220? Please can you do any better? Not sure what sort of contract is best for me. I am NHS staff. Thanks

AnswerWe can do you a much better price than that. I will email you some prices.


QuestionThe cars you have ex demo how many miles have they done and are they this years plate 13?

AnswerMost ex demo cars are 6 months to maximum 2 years old and in perfect condition as we give the cars an extra valet and special attention in our own service centre. Even if you leased a car from us and you were not happy with what you received, you have up to 14 days to return it and pay no penalties and be refunded in full if you are not satisfied.

I too have an ex demo which was 2 years old and it still smelt new when I received it. The miles shouldn't worry you, as you are handing the car back anyways aren't you, you are not buying to keep it are you? Normally a few thousand miles depending on the car available at the time. We could have one car with 30 miles on the clock and the same model but with 8,000 on the clock.

QuestionThanks but if on personal lease I need to 10000 per year would this be ok and would only want one few months old at most so plate in current year really

Answer10,000 miles is not an issue, you can do more if you want. If you want to pay more for the lease because the car has a 13 plate that is up to you. If I was you I'd get a good car and deal and put my own private plate on it, and if you don't have one I'd get one. Who would know what year the car is? Just an idea? : )))


QuestionHi im looking for 12 month lease, my annual mileage is 10,000 Would like Vauxhall Astra, VW Golf or anything you can offer me along this spec. my budget is £200.00 per month with the smallest deposit option open to me. This is needed within a month and would potentially be looking to get this secured ASAP.

AnswerIf you can commit to 2 to 5 years on a lease then please email me.


QuestionHi i am enquiring on my daughters behalf she has just qualified as a staff nurse and started working in Bridgend south Wales she has been informed that she cant have a lease car through them as she doesn't qualify due to insufficient mileage because commuting to and from the hospital isn't far enough to qualify so what deals could you offer her on the Volkswagen polo she is 21 yrs old Many thanks

AnswerHi, that will not be a problem with us. We can lease to you and any NHS staff member as we are more flexible than the NHS fleet solutions. I will send you a quote for the VW Polo.


QuestionThere would appear to be an error with your website when submitting a personal quotation. I have tried to find a contact number for your company but I have been unable to locate one.

AnswerThe forms are working fine as we are receiving significant amount of quote requests every day. One of the main reasons a user cannot submit a form is when they write too much text inside the comment box. If your text was more than the allocated space and you received a 500 Server Error then that is the problem. Is this the case with you?

QuestionYes that was the message I was getting. I am currently interested in privately leasing two vehicles from your company.

AnswerSure that is not a problem, what did you have in mind?


QuestionI would like to privately lease a Vauxhall Insignia or a VW Passat over a 48 month period. I can pay an initial payment of under £500. I would like a white, black or dark grey vehicle and I don't mind if the vehicle is ex demo. As long as the vehicle is no more than 1 or 2 years old, is in excellent condition and has millage under 10,000 miles. The vehicle can be petrol/diesel and manual/auto. Your website advertises a nearly new Vauxhall Insignia diesel hatchback 2.0 CDTI SRI 5dr for £143(incl VAT) per month over 48 months with an initial deposit of under £500 (private lease).

AnswerWith regards to the deals advertised. Although the different type of deals are explained in the terms of using the website, I will explain in this email so there is no misunderstanding and disappointment. The deals advertise as "nearly new" are second hand cars but in good condition, normally they are 59/60 reg. plate and that is why the prices are so cheap. The deals advertised as ex demo can be either 6 months to 1 or 2 years old cars. Again in very good condition and well kept cars. The deals advertised brand new direct from dealer is self explanatory and obviously the prices are higher out of the three. What was your second choice?

QuestionThe second vehicle is for my wife and we were thinking of a VW Fox which is advertised as a 48 month private lease (incl VAT) for £69.97 per month, with an initial payment under £500. There is also a 10,000 miles limit or 40,000 in total. I would appreciate a call/email back to discuss the above in greater detail.

AnswerNot sure where you got the idea that there is a 10,000 miles a year limit? No there is no limit with us. You can do 100,000 if you wish, but in these cases it is best to Hire Purchase the vehicles as it will work out far cheaper. The Insignia as an ex demo car comes in various models and the prices vary from £179 to £227 per month (inclusive of vat) if you prefer not to pay a deposit then the monthly payments will go up by approx. £15 a month. Similar to the this example will apply to the VW Fox.

QuestionOh, I didn't know that we can do more miles. I was thinking of 20,000 miles for me but my wife is more than happy with 10,000 a year as she does mainly city driving.

AnswerLet me know if you would like a firm quote for both cars. I can resubmit your quote request and then you will be contacted by an adviser who will also provide you with the full details of the cars and the exact prices.


QuestionIf I run a limited company, what is the situation with car leasing Is it a business lease I would need to take or a personal lease?

AnswerThe requirements for any company wanting to lease a car would be 3 years accounts for prime funding which means you have to have excellent credit history.

QuestionWhat if the director was poor credit history?

AnswerAs far as I am aware none of the funders on sub prime will consider limited company deals. It would have to be in their own name as a director as employment details. You will need to supply proof of affordability and can only use the business bank statements if you are the sole director of the company.


QuestionI'm looking for a VW Scirocco, 10000 miles pa. 1+47 term. The Scirocco gt. of a Personal lease. Manual. Alt vehicle golf.

AnswerSure, will track you for a quote.

QuestionSteve have tried contacting your credit partners ( as they requested via text) to get the ball rolling as wanting the car ASAP. Apparently it's a gentlemen called James that is dealing with my account. Have been unable to contact him personally and no call back received as yet from him.

AnswerMondays do tend to be really busy. However, I have notified your account manager to make contact with you, if not today it will probably be tomorrow. Apologies for any delays

QuestionSpoke to J today there has been no problems obtaining the credit funding but the underwriters have come back with a hp offer of £366 pm over 5 years. This is not really the route I wanted to go down as I was really wanting to take a personal lease with yourselves for 4 years with the option of paying a balloon payment at the end if I chose to purchase the car. I am really interested in the scirroco is there anything you can do to help

AnswerI'm afraid it was based on your credit history score. The underwriters have the last say. If the vehicle of choice is not affordable maybe you can look at other similar cars that work our better on any of the car leasing finance products? I note you mentioned a Golf? maybe they can get you a better deal on that one?

QuestionJ is going to send me some quotes on golfs this afternoon thanks


QuestionHello, I applied online yesterday for a car lease quote. I received an email from yourselves to say that your partner from the finance department will contact me regarding the finance plan for the lease. They said they didn't know why you put me through to them as they only deal with people trying to buy a car and not lease one. The guy (J) said he would contact you but I've not heard anything back yet.

AnswerAs stated on our website to be able to lease a car (as in rent it then hand it back) you have to qualify for this and in most cased customers need to have good or excellent credit history. Regardless what you were told (I think there must have been a misunderstanding) I'm afraid the VW Golf deal you picked is not for customers with bad credit history.

However, there is a deal further down the page and that is for bad credit history customers. As you have bad credit history in these cases the next best offer would be a PCP or HP finance product. Also you may be offered just the finance side of buying a car where you pick a suitable car from any dealer of your choice.

If HP is approved and offered to you, you initially hire the car and then at the end of the agreement you get to keep it without the need to pay a balloon payment. It is recommended that you contact your account manager/underwriter who is authorised.

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Time4Leasing is a trading style of White Hat Projects Ltd and is authorised and regulated by the Financial Conduct Authority. FRN 768203. Company number 07764808.

We are a credit broker and not a lender and can introduce you to a limited number of businesses who also act as credit brokers and may introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a fixed commission calculated by reference to the vehicle model, product or amount you borrow, for introducing you to a credit broker but this does not affect the interest charged on the agreement, all of which are set by the lender.

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