Time4Leasing Car Leasing

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Best Lease Deals | New Cars - Used Cars | Under £100 | No Deposit Leasing | Bad Credit | Automatics | SUV Cars | Hybrid Cars

How Does Car Leasing Work?
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Yes Pick any car from over 25,000 new and
over 65,000 nearly new cars.
Yes We help people with a good, fair or
bad credit history.
Yes Get approved for personal contract
hire car leasing, or hire purchase.
Yes All circumstances considered.
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What is car leasing in a nutshell?

As mentioned in many sections of our car leasing forum, car leasing is like hiring a car, the car registration will be in your name, you insure the car like any other car and look after it like as if it was yours to keep. The car technically is not yours to sell, not until you pay it off totally which would be at the end of the lease period. We call this the balloon payment.

The main difference from hiring and leasing, before the end date is due to return the car with leasing you have to buy the car, you have the option to give the car back, or walk away and pay nothing more. Most people prefer to give it back and lease another car. This way you always avoid buying the car and paying the balloon payment, but just keep leasing it. If there is equity in the car you leased because either you kept it in a fairly good condition, drove less miles than you stated or it hasn't depreciated as expected, then you will have extra money to put down as a deposit for your next car lease.

Pick a couple of cars you like - keep your options open and how much money you want to spend per month on the car inc the vat. Choose any car deal the best deals are listed on the right side of this page, in the ex demo or 0% deposit section, then request a free quotation. If you really want to save even more money, take a look at the used car section and newly new cars where you can save more than 50% off manufacturer list prices.

Fill in a proposal form for business or personal contract hire leasing. Get accepted for contract hire finance. Accept a short or long term contract hire lease order. Complete posted documents and send them back to the company.

Take delivery of car lease at home or business address, or you can come over to our partners' showrooms and pick up the car, have a coffee or tea and meet the team.

Application Approved & Vehicle Confirmed We aim to give a decision on all of our lease applications within the same day of receiving it. We keep you posted at all time. Some deals require a small deposit or initial rental taken to secure the vehicle Once this is taken, you can sit back knowing that your vehicle is secured and ready for delivery.

Documentation emailed or posted to you. This is your choice as we can either email the documentation, or post them out to your home or work address in the UK. Your vehicle is delivered directly to you Thatís it! Sit back and wait for your vehicle to arrive. Plus if you want to hand the car back for another new car in the middle or end of the end of the lease, that can be arranged too.

Employee Benefits and Car Leasing

Car Leasing Finance options explained

Personal Contract Hire

Personal Contract Hire (PCH) has been specifically designed for people opting out of a company car scheme or joining a new company that provides a company car allowance, instead of a company car. A PCH contract includes road fund licence and, if required, service and maintenance. Rental periods typically vary between 24 and 48 months, there is no large initial payment to be made as deposits are usually equivalent to 3 or 6 months rental. At the end of a contract the vehicle is returned to the lender at the agreed contract mileage with no final or balloon payment to be made. If the mileage on the vehicle at the end of the contract is higher than the contracted mileage then there will be an excess mileage charge to pay. This is typically 5p - 10p per mile.

Personal Contract Purchase

Purchase Personal contract purchase (PCP) is available to everyone, subject to status. PCP provides a new or used vehicle for a pre-determined period, normally 24 - 48 months. Like contract hire the contract has a low initial payment, usually 3 monthly payments, followed by fixed payments for an agreed period with an agreed mileage. At the end of the contract period there is a guaranteed future value that you have the option of paying to take ownership of the vehicle, or you can hand back the car to the finance company without penalty.

Hire Purchase

Hire purchase is a simple, straightforward way to spread the cost of buying a new car. It is fixed rate finance - with a fixed monthly payment. The deposit you pay is flexible - from as little as £99. The remaining balance, plus fixed interest, is repaid in equal instalments over an agreed period (12-60 months). There are also 0% deposit offers available for certain cars and 0% deposit finance for most cars, subject to approval.

Lease Purchase

Lease Purchase is essentially Hire Purchase with a balloon payment at the end of the contract. Lease Purchase offers lower monthly payments than normal hire purchase. Instead, at the end of the agreement, you can make a final lump sum payment (or 'balloon') to own your car. It's fixed rate finance - but with a lower fixed monthly outlay since you defer repayment of some of the borrowing. At the end of the agreement options include car purchase, refinance, part exchange or resale. The deposit you pay is flexible - from as little as £99. The remaining balance, plus fixed interest, is repaid in equal instalments over an agreed period (12-60 months) plus a final balloon payment.

Contract Hire

Contract hire is a vehicle leasing contract for sole traders, partnerships, limited companies and PLCs. The Hirer benefits by paying a single fixed rental each month. This includes road fund licence in most cases and, if required, service and maintenance. Rental periods typically vary between 18 and 48 months, there is no large initial payment to be made as deposits are usually equivalent to 3 or 6 months rental. VAT is payable on rentals but is partially reclaimable by VAT registered businesses. At the end of a contract the vehicle is returned to the lender at the agreed contract mileage with no final or balloon payment to be made. If the mileage on the vehicle at the end of the contract is higher than the contracted mileage then there will be an excess mileage charge to pay. This is typically 5p - 10p per mile. For details of Finance Lease & Contract Purchase please contact this office.

Finance Lease

Finance lease is a financing option available to businesses only. It allows payment of the entire cost of the vehicle over the life of the contract with or without a final 'balloon' payment. At the end of the agreed term and after the balloon payment (if applicable) has been paid, you can either, continue to use the vehicle by paying an annual 'peppercorn' rental or, sell the vehicle to a third party and retain 98% of the proceeds of sale. The remaining 2% must be paid to the finance company. This type of finance is often attractive to the building and construction industry as there is no damage re-charge at the end of the contract and no mileage restrictions although a higher mileage will affect the residual value if the contract incorporates a 'balloon' payment. Contact us for further details.

Non Status/Sub Prime Contracts

These are available for new start companies and businesses or individuals that have experienced credit problems in the past. Initial payments are typically 6 times the monthly rental.

Sale And Leaseback

If your company already has vehicles that have been purchased in the past, we can arrange for a finance company to buy the vehicles off you to give a capital injection to the business. The vehicles would then be leased back to you at competitive rates. This would be subject to age, mileage and value of the vehicles concerned.

Request Free QuoteGet Provisionally ApprovedDiscuss OptionsSign Posted DocumentsTake Delivery of Car

We are Time for Leasing

We would like to thank all our friends and customers that contribute to this genuine car leasing motor group forum and help other car enthusiasts find the right car and the right deal that suites their budget and life style.

There has never being a better time to lease a car in the UK, specially when all motorists are looking how to reduce their monthly costs. Did you know over 2,000,000 cars were sold last year and 75% of them were leased on Personal Contract Purchase agreements - PCP for short. That's 1,500,000 cars. So, you are not alone. Car leasing is the future to cheap motoring.

At Time4leasing, we help people lease cars, what ever their profession. Our customers range from managers, council workers, NHS staff, diplomatic personnel, supervisors, sales men and women, police officers, doctors, nurses, pharmacists, security officers, ambulance drivers, firemen, agency workers, hospital porters, retail assistants, retired, technicians, housewives, self employed, contractors to lawyers.

No Deposit Car Leasing
No Deposit Leasing
Long Term Car Leasing
Long Term Leasing
Hire Purchase Car Finance
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Our vehicle suppliers and lenders offer affordable car leasing finance deals for directors, school teachers, council workers to professional taxi drivers and car instructors, engineers, stock brokers, secretaries, couriers, builders, agents, executives, hairdressers, personal trainers, project managers, painters, care workers, administrators to shop owners and footballers.

Are you a new Business, an Individual, Contractor, Company Car Driver? Anyone is considered as long as you have a driving license and you are over 18 years old.

You can apply online for any of the car leasing products using the links provided. We will be more than happy to help you - just apply. Lately we are getting applications and quote requests from hotel receptionists, bar, pub and night club staff and a host of other people from the hospitality industry like waiters, waitresses, chefs, cooks, factory workers and cleaners.

Learn How Car Leasing Works

Why pay more per month, when you can save thousands of pounds every year by leasing one of the long term car rental specials.

Below you will find the most popular car leasing scheme examples for comparison. Normally no deposit car leasing is reserved for specific ex demo cars that require a minimum 24 months lease. You cannot have a no deposit (0%) car deal on a short term hire period of 1 to 12 months.

We offer alternative car leasing to NHS, Mobility and Employee Schemes. Our deals are far cheaper. Why pay more when you can lease direct with us? What if you are unemployed or retired? As long as you can prove you are able to repay the car on a monthly basis then you can try to lease a car. If you are on any sort of government benefits for disability, tax credits, working tax credits plus child benefits, they all add up to a healthy sum. However, your outgoings must be less so there is enough money to be able to afford the monthly payment.

Time4Leasing Customers Love Our Services

More than just a vehicle leasing broker. Deals include 0% deposit leasing and finance for brand new and approved used cars. Plus we offer solutions for individuals with a good and bad credit history past.

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You are in good company as we always aim
for 100% customer satisfaction

Top 50 Personal Car Leasing Clients
Directors and chief executives of major organisations
Corporate Managers And Senior Officials
Aircraft pilots and flight engineers
Medical practitioners
Police officers (inspectors and above)
Air traffic controllers
Brokers (financial and insurance)
Financial managers and chartered secretaries
Managers in mining and energy
Protective Service Officers
Public service administrative professionals
Health professionals
Research and development managers
Information and communication technology managers
Functional Managers
Solicitors and lawyers, judges and coroners
Marketing and sales managers
Transport Associate Professionals
Electronics engineers
Hospital and health service managers
Electrical engineers
Financial institution managers
IT strategy and planning professionals
Purchasing managers
Train drivers
Higher education teaching professionals
Legal Professionals
Personnel, training and industrial relations managers
Coal mine operatives
Physicists, geologists and meteorologists
Managers in construction
Production Managers
Production, works and maintenance managers
Broadcasting associate professionals
Mechanical engineers
Police officers (sergeant and below)
Advertising and public relations managers
Corporate managers
Management consultants, actuaries, economists and statisticians
Senior officers in fire, ambulance, prison and related services
Information And Communication Technology Professionals
Quality assurance managers
Engineering professionals
Pharmacy managers
Business And Statistical Professionals
Senior officials in local government
Science and technology professionals
Software professionals
Engineering Professionals

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

Time4Leasing offer a nationwide fast delivery service to all our satisfied car leasing customers. Here are some popular areas that we delivery to:

Birmingham - Bournemouth - Cardiff - Edinburgh - Glasgow - Lancashire - London - Liverpool - Manchester - Scotland - Swindon - Wales

Time4leasing Happy Customers

What do our customers think of us?

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4.3 out of 5 based on 10 Google reviews

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Time4Leasing is a trading style of White Hat Projects Limited is authorised and regulated by the Financial Conduct Authority with Registered Number 768203 | Registered in England & Wales | Company Number 07764808
Time 4 Leasing are a credit broker and not a lender. Our Head Office Contact Details are: Business Central Boulevard, Blythe Valley Business Park, Shirley, Solihull B90 8AG, England, United Kingdom
Our Contact Number is 0845 643 4315 - Opening Hours: Mon - Fri: 8am to 6pm & Sat: 9am - 4pm

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