Check your credit score and create your own credit report by taking this free online test.

When applying with us, your details will be used for a "soft credit search" which you can see but lenders can't. Your chance of approval will be based on this search. However, with us, this will not affect your credit score but may do so with other car leasing brokers.

These are typical questions that are asked to calculate scores and determine if a customer has good, fair, poor or a really bad credit history.
 

1. Your Status
Unemployed
On Benefits
Student
Self Employed
Retired
Housewife or husband
Employee
More than 2 incomes in household
2. Your Income
On Benefits
Earn less than £1000 per month
Earn less than £1500 per month
Earn less than £2000 per month
Earn less than £3000 per month
Earn over £3000 per month
3. Driving Licence
Full UK
Provisional UK
EU Licence
International Licence
No Licence
4. Job History
Unemployed
In current job less than 1 year
In current job less than 3 years
In current job more than 3 years
In current job more than 6 years
5. Residence
Homeless / No Fixed Address
Temporary Accommodation
Living with Partner
Living with Parents
Tenant
Homeowner
6. Residence History
Recently moved to the UK
In current address less than 1 year
In current address less than 3 years
In current address more than 3 years
In current address more than 6 years
7. UK Electoral Register
On UK Electoral Register more than 3 years
On UK Electoral Register less than 3 years
Not on the UK Electoral Register
8. Marital Status
Single
Married
9. Banking & Credit
No Credit Cards
Have Credit Cards and regularly default
Have Credit Cards and pay regularly
No Loans
Have Loans and regularly default
Have Loans and have no defaults
Have Overdraft Facility and use it frequently
Have Overdraft Facility and use it sometimes
Have Overdraft Facility and do not use it
Have Mortgage and no defaults
Have Mortgage and regularly default
10. Finances
I was on an IVA and it is now settled
I was on a Debt Management Plan
I am currently on an IVA
I am on a Debt Management Plan
I am Bankrupt
Discharged from Bankruptcy
Recent CCj's for loans or credit cards
Recent  CCj's for other reasons
Recent  CCj's for mobile phone payments
I have No CCj's or anything of the above
I am on a Trust Deed (Scotland only)
I was on a Trust Deed (Scotland only)

Calculate your own credit score for free.

The credit guide score results are hypothetical and purely for guideline purposes only and are an estimation of a credit rating and are subject to change. If you like an accurate score specific to your personal circumstances, you can obtain this once you have applied.

Credit Score examples

Excellent 720 - 850

Good 690 - 720

Fair 650 - 690

Bad - Poor 350 - 650

No Credit 0 - 350 (Guarantor will be needed)

Normal scores range from about 350-850 points. The higher your score, the better. The majority of scores are in the 600-700 range. Scores of 690 and above are considered "prime lending" and can get you much better interest rates on loans and car leasing finance. Having a score below 690 does not mean you will be denied credit, but you'll pay a bit more for it.

 

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Time4Leasing
New & Approved Used Car Leasing

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.

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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.

We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at support@time4leasing.co.uk. This does not affect your statutory rights.

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

When completing an application on this site we will automatically check your eligibility across a range of finance and leasing products to provide you with the best selection of options that we can.