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over 65,000 nearly new cars.
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bad credit history.
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hire car leasing, or hire purchase.
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How Car Leasing Works

1 Find your dream car via our website
We have thousands of new and used vehicles ready for immediate delivery. There is something for everyone,  regardless of your credit history and personal circumstances.


2 Get pre-approved
You can speed up the application and get preapproved for car leasing finance using our FREE soft credit search (with no impact on your credit score).


3 Reserve your car online
Get access to our back end systems and reserve the exact vehicle that meets your needs. We can help you pick the right one, if you need help.


4 Start driving
You can either pick up your new or used car from one of many locations in the UK or have it delivered direct to your door.


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.

Request Free QuoteGet Provisionally ApprovedDiscuss OptionsSign Posted DocumentsTake Delivery of Car

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.

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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 That’s 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.

Best Car Leasing Tailored to your Needs

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. With this type of leasing you are not charged any interest. If you are looking for no interest leasing then this is the best option as long as you have a deposit and good credit history. 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.

Time4leasing Head Office Contact Details are: 115-119 Fort Dunlop, Fort Parkway, Birmingham, West Midlands, B24 9FE, England, United Kingdom

Time 4 Leasing are a credit broker and not a lender. Our Head Office: 115-119 Fort Dunlop, Fort Parkway,
Birmingham, West Midlands, B24 9FE, England, United Kingdom

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
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Compare Car Leasing

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.

Lease with Confidence

We can source and supply any brand new or used vehicle. Whilst most of our special offers are stock and can be eligible for quick delivery, some vehicles may have a longer lead time as they are ordered straight from the manufacturer.

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Can I Lease a used Car

Included with Every Car
Get to know your car
You have 14 days to get familiar with your car or give it back for an exchange or refund if you’re not happy.
Service and MOT check
If you leased a used car and is due a service or MOT within the next six months, these will be carried out for free and a new certificate will be issued.
No worries for 6 to 36 months
We’re confident in the quality of our cars. But, if anything unexpected happens within the first six months, this will be fixed with no cost to you. Brand new cars have a minimum 3 years warranty.

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 All Vehicles HPI Checked for your Peace of Mind.

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

Most popular vehicle brands that we work with.

Audi Car LeasingBMW Car LeasingFord LeasingJaguar LeasingKIA Car LeasingLand Rover LeasingMercedes Car LeasingNissan Car LeasingToyota LeasingVauxhall Car LeasingVolkswagen Leasing

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

Buy with Confidence

Yes Deciding whether to pick a new or used can be hard when you’re trying to lease a car - this is why we offer both options. We also offer personal and business lease vehicles - depending on which one works out cheaper!

Yes We provide Contract Hire Leasing, Personal Contract Purchase Sales and Hire Purchase where you can drive unlimited miles and keep the car for a small fee at the end of the lease.

Yes We’ll take care of everything for you, from the initial contact then finding your dream vehicle to arranging collection or home delivery. You’re in safe hands with us.

Yes Applying with us is the fastest way to check whether you'll be pre-approved for car leasing finance with one of our top-tier or specialist lenders. A short finance application that won’t affect your credit score or appear on your credit profile.

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Copyrights © 1998 - 2024 - Time4leasing - All Rights Reserved

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.

Our Registered Office is 115-119 Fort Dunlop, Fort Parkway, B24 9FE, England, United Kingdom.