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Time4leasing Car Leasing Forum
Hi, I work for a
hospital and was wondering if I can lease a Fiesta but would like to know what
happens to the car after the lease ends.
When you lease a car via our company you can swap, hand back, buy the car, keep it or sell it after the lease has ended. You can also do this after 2 years into the lease. That is why most of our customers lease for 4 years which makes the payments for affordable and as we are flexible we assist our customers to achieve this.
Hi I have a credit score off 744 but I have not been
on the electoral roll for 5years. I was
told by your finance department they cannot help me as
I'm not on
the electoral roll.
Is there anyone else that can help me please Many thanks
How come you are not on the electoral roll?
As I lived with parents they never put me on it as they did not believe in being on it!!!
I am trying to go on the electoral roll but have been told I have to wait till August when it comes out again
I'm very sorry to hear about this, being
is required for car leasing.
Hi I am an Emergency
dispatch team leader and I work for the East of
England ambulance service NHS Trust.
I work for the ambulance service so I was looking at the NHS
scheme but I believe the trust I am in don't run any schemes so I didn't know if
this is something you could help me with or give me some advice.
If possible I was also looking at the Renault Clio and the
Peugeot 107 look forward to your response Kindest regards Mr H.
To lease a car
via us all you need is to pick a car that you like.
The best deals are the ex demo cars
that work out much cheaper. All you got to do is submit a form and receive a free quote. Just to
make it clear insurance is not included in the price. You have to pay
your own insurance and maintenance.
Saying that most people save around £1,500 to £2,500 by leasing an ex demo vehicle and paying for their own insurance and maintenance. Is this something you would like to proceed?
Thanks for getting
back to me I would be grateful if you could give me some quotes on ex demo cars
that would be great.
I'm looking at the Chevrolet spark,
Peugeot 107 and the Renault Clio.
To save you time I will
resubmit your quote request for the Chevrolet Spark for now so you get your
first quote. Then you will be contacted by my colleague that specialises in
finance and assist you with finding you a good car deal with good specs and
options and obviously at a good price.
Can you explain to me the types of leases that are out there at cheap prices?
most companies will not inform you via their website the
types of lease options that are out there. I am more than happy to let you know.
One type of lease
is the closed-end lease, sometimes called “walk-away” lease,
which is most common for personal leases today.
Others call it a personal contact hire with option to return
vehicle at end of lease.
This type of lease allows you to simply return your vehicle at the end of the lease and have no other responsibilities other than possible payment of excessive damage or mileage charges
if you went over the set amount.
Are there any other types of leases?
There are plenty, I will tell you one more.
There is another
type called closed-end lease which is based on the
agreement that the number of miles you drive annually is fairly predictable (say
10,000 or less miles per year
which is typical), that the vehicle will not
to be driven in any rough or abusive
way, and that its value at the end of the lease (the residual
value) is therefore somewhat predictable.
How is the payment calculated?
At the time you lease, the leasing company estimates the vehicle’s lease-end residual value based on the expected number of driven miles. If the vehicle is actually worth less than the residual
value when you turn it in, and
the leasing company takes the financial hit, not you.
On the other hand, if the vehicle is worth more than the residual
value, and you have the option to purchase, you may want to buy the
vehicle, then keep driving it or sell it and make a profit or
trade it in and use it as a deposit for your next lease.
This makes sense
to look after the vehicle as if it was you own, as if you return it in a really
good condition you will have equity in the vehicle.
Hi, I'm a registered nurse and was wondering if you can lease
me Meriva but my budget is £130?
The car you picked says it is £127.88 + 20% vat = total £153.45
why are you saying your budget is £130 and picked this deal?
Is there something I need to tell our web designer to fix to make it more clear or were you hoping to get the price down even further?
I am so sorry. I completely missed the 20% VAT
Could I try another choice maybe... And my title is Mrs please rectify if possible.
Is the Meriva your only choice? These type of
beefed up cars do cost a lot more than other cars due to their size and engines.
If you can spend a little bit more money per month I will quote you on the Meriva otherwise to keep the price under £130 it would have to be a car like the Chevrolet Spark, Clio or Micra.
Can you tell me your preference please?
I think I'll settle for the Chevrolet spark hatchback 1.0i LS 5dr. Just to make sure 5dr stands for number of doors right and not previous drivers.Please let me know if you're able to change my initial request or if I need to submit another request. Thank you for your help.
5dr means 5 doors. lol. I will send your extra info to the
finance admin team so you don't have to submit again.
I just wondered if you can help... I applied for a car and still haven't had any feedback from my application. Could you help me trace the application?
You should have been contacted by now. Didn't
my colleague contact you with a firm quote?
She did and sent me an application form via email which I filled and sent back promptly but nothing has emerged from that application. Her name is Sue but whenever I do call she's apparently off sick so no one can help?
I'm afraid Sue was sick and that put things a bit behind
for her. Please contact the telephone number you were given
and you may speak to someone else about your application,
it doesn't have to be her only. In the meantime, I will notify her manager so he can follow this up for you.
Very sorry for the delay. You will be contacted.
Thanks for your help, I've been contacted. You are a star.
Hi, I'm a Weapons Engineer (Ordinance)
for the Royal Navy. Do you lease to
Yes we do. What car did you have in mind?
I was looking for a 2 year lease of a Fiat 500 69i Pop in White or Red. My budget is around £140 monthly. I would also like a quote for a Kia Picanto with a similar engine.
The Fiat 500 you picked is not available. Not sure where you got the price of £140 a month. There is not such price unless you mean plus the 20% vat which brings the price to around £156 with the vat.
Have you got other Fiat 500's available?
At the moment the Fiat 500 that are in stock are red and some other colours subject to availability. However as you have
bad credit the price will be much higher depending how bad your credit is. How far can you stretch your budget? Also
if you have a deposit that will lower the monthly payments.
I thought you might say that. I can stretch it to around £200.
That is great, you should be able to get a decent car for
that kind of money.
Could I please get a quote for a 1.2 Fiat 500.
A deposit would be no problem.
I didn't stipulate £140 as my budget, I can actually afford up to £200 a month, but obviously the less the better.
My credit history isn't great so I would expect to be paying more.
Would you be able to quote me a price for those with the worst kind of credit rating and we can go from there. I have no CCJs but I do have some recent defaults (Due to missed bills when I swapped banks).
I will resubmit your request for a Fiat 500 so it goes to the right department. Then you will be contacted by my partner who specialises in
bad credit leasing.
Then you can discuss other cars, options and prices once you get the full contact details.
Sorry just thought of an other question is there any stipulation with what insurance I need?
Have you insured a car in your name before and what is
the history with your insurance? How old are you
that would effect the cost too?
Yes had insurance in my name before age 35 clean licence.
nutshell, How it works, once you know which car you are going to have, the registration number is supplied to you.
Then you can get a quote from a
insurance price comparison website, something
like gocompare, confused.com or go direct to Aviva or Direct Line
insurance companies. Follow the link and you will find some really helpful
You can also take
Insurance. This is recommended and only costs something like £4 a month.
Hi, I'm a
retired company director and I require a small car like the Volvo C30 for a run around or sports as I already have an E 320 Estate, no finance.
Is this your only choice or would you consider other similar vehicles that are in stock and at the right price?
Yes I would. It s a second car, My E Class Estate is wonderful but dreadful to park in town.
So maybe you could give an idea of what you are able to provide. I would consider an SLK, a car I ve had twice.Thank you for your help.
The E Class is a nice car. The SLK is not available. I'm sorry but not all104rre good for car leasing, specially if they loose their value. Please look at the ex demo range and pick a car that is marked with the in stock logo. How about a BMW 1 or BMW
X1 for a change?
So sorry I forgot to ask for a quote for 15,000 miles as well as the 10.000 miles. Also is there any restriction as to taking it out of the country, as we have a house in France. Finally, can I use my own insurance broker?
Once you get your first quote you can discuss about more miles with the finance department where they will calculate the difference in price. As long as you insure the vehicle for International travel with your own insurance broker, I cannot see why you cannot take the vehicle to France.
However, I would recommend you take GAP Insurance which is about £4 a month and this will cover you even if the car was written off, stolen or severely damaged from a fire or
theft. Not saying that this will happen, but better safe than sorry.
If you need to know anything else do email me.
I am still awaiting for a quotation from your relevant department. Sorry, I can t make a decision
Until I receive this as I want to compare prices.
Would you like
me to give you the telephone number so you can speed things
up and ask if they can kindly give you a quote over the phone?
I haven't forgotten you. We are at our house in France at the moment but return to UK
soon.Can you give me a quote for the Audi A1 Diesel. This is a Personnel lease.It needs to be for 3,years and 15,000 miles.
Part of the terms to lease a car, you have to
be living in the UK for at least 3 years
in a row and supply us a utility bill or bank statement in your name from that same UK address. Is this the case with you?
Please could you contact me ASAP as I cannot find your contact number on your site. Thank you
We only give out our phone numbers once we
know what the customer's needs are. This way you get to speak to specialist in their field.
What car are you after and what are your circumstances?
I have poor credit due to going bankrupt in August 2011. I am now discharged. I work full time but do a lot of mileage. I desperately need a car. My budget is approximately £300 a month.
As I gathered, you need to speak to one of our specialists
who will contact you and help you out. What kind of cars are you after?
I would like a diesel automatic and a five door car. I am interested in a 3 series BMW or c class Mercedes or Volkswagen golf gtd or as a last resort astra cdti elite. The colours I like are black, silver or grey. I hope that you will be able to assist.
I'm afraid £300 a month is not going to get you a BMW 3 or a Mercedes as these cars are leased more than that even for people with good credit history. When a client has
bad credit history the APR is higher. If
for good credit history it was 8%, for
bad credit leasing it could be 12%. Doesn't sound a lot more but £300 a month will raise to £420. So these cars are way out of your budget.
What would an Astra cost me?
The Astra's are pretty much in your budget as a 1.6 engine works out at around £190
(inclusive of vat) if you have good credit history and £239 if you have poor credit history.
Be aware as you were bankrupt in 2011, I do believe that stays on your records for many years to come, which means if you have any hope of leasing a car it would be a Hire Purchase over 5 years and you will be asked for a deposit of £1,000
more or less.
Does all this make sense and can you raise a deposit?
Yes I can raise a deposit, please quote me happy!!!
I am enquiring about leasing a car for my mum. She lives in the UK and is an extremely fit, active, healthy 86 years young. Please can you help? I will be visiting her in July and would be able to help her more then. Thank you
You could lease the car in your name, if you have lived and worked in the UK for the past 3 years, you have a UK bank account, credit history and a utility bill in your name. If you haven't then maybe someone else in the family could produce this documentation? The idea is that you lease the car and make your 86 young mother a named driver on the insurance and as long as she has a full UK driving license.
I'm not saying your mother won't live until she is 110, my grandmother lived till she was 106, but in the case she decides to leave us, the car will still be in your name and you can continue to pay the monthly instalments.
To receive a quote for a good car deal, you will have to provide the full details of the person that will be willing to lease the car in her behalf.
I hope this info helped?
Never thought about that, great idea, thanks.
Hi, I'm a carer and I am on high benefit of £480 i am starting workbas a carer in the community and a car is required. I have
bad credit and no deposit.
To qualify for a no deposit deal you need to email me about your bad credit history first so I can understand how I am going to help you.
Hello again....i havent been bankrupt nor am i in a debt management plan, i have some county court judgements and outstanding bills such as old fone bills etc, i am in arrears with my tax and water but have came to an agreement to pay a certain amount per week.
I start a new job on monday and my first pay will be the end of may in the mean time i am in receipt of benefits which amounts to £480 PER MTH.
I have tried every where and i am desperate for a car.
The bad credit leasing deals are for
people who did have
bad credit history, not have current bad credit. There is a
difference. The except if someone is still in bad credit they would have to
provide a deposit of £700 to £1,000 up front to be able to lease a car. Then
again it won't be a personal hire, but a hire purchase, meaning you would have
to keep the car at the end of the lease. Typically a decent car on a lease for
bad credit would be around £250 a month. I'm not sure your income is adequate to
cover this? I would recommend for now you use the bus, train or a taxi then save
some money over a couple of months and then try and lease a car.
Hi, I work at Aintree park group practice
as a Medical receptionist and looking to lease a Corsa but
I'm not sure if the price includes insurance?
These prices are so low because they do not include insurance. It would
work out far cheaper to get your own insurance.
I thought so, do you know any websites with the best insurance deals by
any chance? I have been a third named driver in someone else insurance for about 5 years.
The trick to get cheap insurance is to lease one of these cars; Polo,
Fiesta, Corsa. All really good on insurance. I would use confused.com or compare.com both more or less will bring up the same cheap deals.
Do you want a firm quote for the car first? as you will need the number
plate to use it for finding the insurance?
I work for the nhs, so that's how I
found you off a google
search, so these
cars do they include car tax and maintenance or is that just the car rental?
Working late. The price we offer are so low there is no room to offer
maintenance. The road tax is included for the first year. There after you
will have to pay for it. Saying that for these cars it is only £20 to £40 a
If you want a firm quote for one of the mentioned cars then please email me
and let me know.
Yes can I have a quote please, I am really interested, but just waiting for a quote for my insurance. Thanks for your replies.
You should be contacted by my partner who will help you further.
If you run into any problems do let me know.
looking for a short term lease or car hire. My miles will be approx. 12000 P/A,
least could be 12 or 18 months, quick delivery is important. Will consider
time4leasing the minimum hire is 2 to 4 years. Even if you leased for 4 years
you can return the vehicle after 2 years into the lease without penalties. If
you are willing to commit to this please email me. If you still want a 12 month
lease go to www.hireinuk.com and compare the listed deals.
for the reply, if I was to lease for 2 years is there a break in that period
like the 4 years breaking after 2? My requirements are likely to change after a
year or so.
break in the period of the lease only applies for the 4 year lease.
Cheap Car Leasing versus Hiring - Could Leasing
a vehicle prove more cost effective than hiring?
In today's competitive market place many companies, what ever size they may be,
are looking to over out do their competitors by cutting down costs they pay to
One cost is business travel which can play a large part in the success or
failure of a small to medium business.
If you or your staff need a vehicle for business
or personal use, knowing which option to
choose should be a major decision for you.
Leasing a car for several years has traditionally been seen as a better option
than buying. However, in the last decade or so, businesses have realised that
leasing a vehicle represents better value for money than owning the same
For example, being tied into a lengthy contract period of time (normally a
minimum of 2 to 4 years), or having an unsatisfactory limit on the number of
miles you are allowed to put onto the vehicle, before extra charges start
Increasingly, car hire in the UK can offer a better solution, when it comes to
short term leasing, or long term hire, as it is called. Car rental companies
believe a small business in particular can truly benefit if the circumstances
were right for them. Flexibility can be a huge advantage over other competitors.
If you have a new staff member who is on probation for 3 to 6 months, or may
have a relatively high turnover of staff? Do your staff need transport to
effectively carry out their job?
The dilemma companies face today is committing to a long-term lease deal, and
potentially being stuck with vehicles not in use and that your company is still
More and more of the small to medium sized business customers enjoy the
flexibility that is provided. If, for whatever reason, after 3 months your
business no longer needs that vehicle, you can return it to the car hire company
with no penalty. Alternatively, there’s no problem to renew the rental and go on
a month by month rolling basis car hire agreement.
Another benefit of hiring a car on a long term hire contract over leasing is the
Typically, leasing a vehicle in most cases will mean an annual mileage cap of
around 20,000 miles. Most cases, go over this, and heavy penalties will apply.
A hand full of car rental companies that we partner with offer a 2,500 mile limit
per month or 30,000 a year, which in some cases is over double the mileage
available on any lease deals. This solution can be ideal for those companies
with an active sales team.
Is hiring versus leasing a false economy? A common mistake many companies do it
not to calculate all the extras that involve running a fleet of vehicles and
think they are saving money by having a “low” monthly rate.
Make sure you’re aware of all the extra costs such as the road tax,
insurance cover, and servicing the vehicle. As you probably know, management of
cash flow for small to medium size business can make or break your company.
Therefore it is crucial to know exactly what your costs are, and when they are
Like several of our listed partners, we are proud of the transparency and
clarity of these costs. Customers on short and long-term deals are sent a
monthly invoice with a line-by-line breakdown of charges, and a final total at
the bottom. Our partners also give you a dedicated account manager, should you
have any questions.
Using a car hire company like one of our partners mean your staff will always be
driving a brand new car which are replaced every 6 to 8 months, there’s no
deposit to pay which you can appreciate also helps with cash flows, and they can
help supply your accountant with all the information needed to complete a P11D
Of course hiring a car isn’t always suitable. If you’re confident you and your
staff need a vehicle(s) for more than 2 years, leasing probably is a much better
option to consider. Which ever way you see it hiring or leasing is far cost
effective than buying. Car hire or leasing can have some very attractive
propositions for your business, and help companies have a better control over
their costs and profits.
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Why pay more to the
NHS Car Leasing Scheme and Fleet Solutions
when you can get better cars and larger discounts from
us at Time4leasing.
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ever you work, be it the NHS, a small or large company,
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for all tastes and budgets.
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