My advise is, what ever you do get your own insurance and maintenance, it will work out far cheaper. I'm very sorry but the BMW 3 you picked is not available. Is this your only choice or would you consider other similar BMW 3's that are in stock if the price was right? Maybe an ex demo vehicle where the prices are far cheaper compare to new?
I'm not necessarily after a 3 series BMW and it doesn't have to be new either - I take on board and thank you for your comments regarding insurance and maintenance.
I really do need a car that portrays the correct image for my business - we have only been trading 9 months but are doing really well, better even than we had anticipated but I would still prefer higher monthly payments than a deposit - over to you I guess with some suggestions and prices for cars.
I have email you the BMW deal that is available, plus some other vehicles
similar to it. If you want something nearly half the price then there is the Insignia Estate with free satnav, the insignia saloon, Exeo, Passat, Mondeo and some others.
Please let me know which one you would like a quote please.
Hi I'd like a Mercedes-Benz C Class Coupe AMG Sport 2dr Auto, my
mileage per year 10,000. lease period of 3 years. colour black. second choice would be C class 220 AMG sport auto and budget £360 per month,
on a personal lease.
The Mercedes vehicles you picked are factory orders. Can take months before a delivery is due. However, there are other Mercedes and BMW in stock specially ex demo
deals and able to delivery within days or signing a lease contract. These ex
demo vehicles work out far cheaper or you get more specs for your money.
Would you like a quote?
Would it be possible for you to send me a list of the available Mercedes and BMWs that you have in stock set for a budget of £360 with 10,000 miles per annum over 36 months. Would the original requested C class coupe be available given a longer delivery time.
There is a BMW in stock ex demo deal within your budget. The 4 year lease works out cheaper and with these
ex demo deals you can give the car back after 2 years or swap for something else.
Let me know your thought please?
I am now very
interested in the ex demo BMW could you provide me with the following information,
the age, mileage, colour, condition and photos if possible?
I'm a Doctor at the
Pennine Acute NHS Trust and want a quote for the BMW 3 Series 320 Sal 4Dr320d
Sport 4dr Dsl. Does the cost per month vary between
24, 36 and 48 months?
Yes the price
will be significantly higher if you out
right lease any car for 24 months.
By the way the BMW you picked is not available. However, there is a
much better model in stock which I can quote you on.
The best price works out if you lease a car for 4 years.
However you can swap it or return it after 2 years.
I am quite happy with a 4 year lease. I have not taken one
on lease before, so would be grateful if you could answer
What happens to insurance? I already have a 5 years no
claims bonus. I was told that insurance is part of the
deal. But if I don't use mine then will it lapse say after
My wife who works as an NHS Dentist would also be using
the car. So would insurance include both of us.
Our annual mileage is about 15000.
I look forward to hearing from you.
The price that we will quote you is without insurance. When we give you the
registration number of the car, you can check it on a car insurance
comparison website and get a quote.
If you have 5 years no claims bonus then
make sure you state that. The NHS Fleet Solutions include the insurance, but I promise you
if you do your maths it is far cheaper to lease the car and insure
the car with
your own insurance. Some people save thousands of pounds over the lease
period. Your wife can drive the car too. Just make her a named driver of the
car on your insurance. Now for a firm quote, you will have to wait after the
Bank holiday as the offices are closed. Hope that is ok.
If you have any other questions do contact me as I'm working late today.
I'm a pilot for Virgin
Airlines and was wondering if you can help me get a nice BMW 3 series or maybe a
Sure that will
not be a problem as we have plenty of BMW's in stock. I will email you some good
I too want to know if the price is higher if I take
a 2 year lease instead of a 4 year lease?
Yes the price would be significantly higher if you lease any car for 2
The best price works out if you lease a car for 4 years, but
you can swap it or return it after 2 years.
Would be grateful if you could clear two small doubts.
What is the difference between a business lease and a personal lease.
What are the required criteria for a business lease.
A business lease is where you run your own company and your company leases the car in your behalf
and you are allowed to drive it. However, we would need proof of your company.
Most people will lease a car on a business lease if they are VAT registered. That is because you can claim 50% of that vat back on private vehicles and claim 100% of the vat back for commercial vehicles.
If you are not vat registered then it is better to lease a car on a personal lease.
Also with a personal lease it does not look like a benefit because you
are paying for it from you own pocket. Where if your employer or your business was paying for the lease then it becomes a benefit and the Inland Revenue will tax you for it. If you use your private lease for business miles then you can claim money back for your expenses and get tax
Also a business lease is the price with the vat and a personal lease is the business lease price plus the vat. Everybody has to pay the vat.
Hi, I'm a managing
director and have very good credit history. I am looking for a BMW convertible
or similar, can you help me find a good deal?
I'm sorry but the BMW convertible you pick is not available and hard to get on a lease at a good price. Would you consider ex demo deal where the prices are far cheaper like the BMW 3 M Sport? Also the Evoque only comes brand new
or nearly new and top model are very expensive.
My budget is maximum of £600 a month inclusive of VAT, so please advise of deals/cars available for that.
I have driven many cars & enjoy the way that BMW's drive, so please advise on that basis.
Ex-demo cars are fine as long as they have a good specification.
resubmit your request for a BMW 3 M sport and a BMW X1. Both nice cars.
Please can u confirm that u got my email as I do need to sort things fairly quickly, please can u advise if u are unable to help so I can seek alternative if there is a problem
the website runs 7 days a week from 8am to 10pm most days, I'm afraid the
finance department is only open from 9am to 5pm.
So when am I going to be
Please be patient as it take now around 24 hours or less for someone to contact you with a firm quote. When you get contacted you can discuss about the nice BMW's that are available.
Hi I work for BP as a
project manager and I am looking for a 330d m sport with Prof nav and ideally heated front seats. Will look at a 3+23 or a 3+35, need 15k miles per year, no maintenance required, personal lease, can you mail your best price through please! If you have access to any stock vehicles with a similar spec (thou not business nav!) then please send through, thanks
The best prices work out on 4 year lease and
used and nearly new BMW cars.
Would you like a firm quote for 15,000 miles?
Hi, no thanks...itís not quite the same as a 330!!
Online only the BMW 318 is showing as in stock, however there are other better and more powerful models available behind the scenes.
Would you still like me to submit your request for the BMW so you get contacted by the specialist department. Then you can discuss about what you are looking for?
Yes please, that would be great, Please send quote and also for regular model 3 series. I don't have a problem with ex demo to achieve in budget. Many thanks
Hi, I'm looking for a 24 month or probably longer depending on deal. Long term lease prefer with insurance either the new
BMW 1, Astra or ford focus or Renault Megan's on personal lease please contact me
Sorry the prices are without insurance. You will have to source this once you know which car you are going to have.
Do you still want to have a quote on those cars you like?
Yes if you could please have a quote on the cars.
The reason I asked about the insurance there was an option about no insurance.
Look forward to receiving the quotes from you and any next steps.
Not sure if you have leased before and was offered insurance? We do offer insurance and it is called GAP insurance. Normally costs around £4 per month and it covers you and the car for theft, fire and if you totally damage the car and it is written off. You still need to find a standard insurance but it would cost you less if you take GAP insurance. Make sure you don't pay the same cover for both.
I will resubmit your request so you get a firm quote sent to you.
I was wondering if you had any luck on quotes. I'm looking to get a car ASAP.
Would you possibly have a contact number I could call you on in case I have any other further queries.
Firm quotes can take 24 hours to be produced. I don't think 24 hours have passed. Sometimes the guys can get to you in a few hours. If you recalled the email you received, it states that a team member will be calling you. They should be doing this soon.
If you have any problems or no contact by tomorrow afternoon do let me know and I will push this for you.
I managed to get a quote from your colleague after calling
him. After chasing I finally managed to get a quote only today.
Unfortunately this has been declined. I'm not sure why this has been declined as my earnings show I can pay for this.
I note on your website you do car lease for people with bad credit rating, do you have any other 3rd party that would be able to possibly help us with this.
Were you asked if you had a deposit to provide? Something like £600 to £800?
Why did you hide that your credit history was extremely bad? Can you run me through this please?
Thanks for your response. I was given the option to pay a deposit or add £15 each month with no deposit so I went for the one with no deposit.
I dnt mind paying a deposit, as this was given as a option that's the only reason I said no deposit. If it makes a difference I'm happy to pay deposit.
In terms of my credit history about a year ago I fell Behind on some of my payments a bit, however, most of these have been cleared totally. I don't have any CCjs and not been refused before.
As I need a car urgently this is why I'm trying to sort this out. For the past month I'm hiring a car which is costing me over £150 a week.
I get over £2000 a month and worked with the same company for over 10 yrs. your assistance on this would be greatly appreciated.
I really dnt want to b hiring a car out & this is why I am trying the lease option. If you could try and sort this for me asap
Looking back at the history of your emails with time4leasing, I note that you did not mention you had past
bad credit history. So what happened was you got a quote from the department that deals with people with good credit history and you received a quote. Then when they tried to get approval for finance you got rejected.
If you had mentioned from the beginning that you had poor credit history you would have been contacted by the right department. Remember we are talking about past history, not current and that is what the funders look at I'm afraid.
You should have been put into contact with the sub prime department that deals with poor credit history customers where they would have asked you if you can come up with a deposit of around £1,000. Can you do that by the way?
Ok, I wasn't aware of that, thanks for clarifying.
Is it possible for this to be processed by the right dept and if this can be done tomorrow as the person who I was speaking to
was out of the office.
Yes I can arrange a deposit up to £1000 if needed to get this processed and faster. If this can be done for around
£600 it would be better but I can do £1000 as a last resort.
Your enquiry has now moved to the department that probably
will be able to help you.
Hi I got one approval but has charged me more for the vehicle.
That is how it works. The better your credit
rating the better the price. The worse it is the more you would have to pay.
Saying that if the interest rate was 8% for good credit history, for bad credit
it is 12%, that is still not bad considering. If you took out a loan the bank
would charge you significantly more.
Hi, I'm a sale manager and would like to lease a Chevrolet Captiva 2.2VCDi for 3 or 4 years.
Is this your only choice or would you consider other similar vehicles if the price was right? Maybe an ex demo vehicle where you get more for your money but the prices are cheaper?
I'd be interested to see what options you could send me, ex dem would be fine.
Would a Kuga or Qashqai be of interest?
Sorry I should give you a bit more detail, I've been a company car driver for many years and I've ticked all the usual boxes BMW/Audis etc etc, I'm changing cars in the next 2/3 weeks so thought I'd take a look to see what's out there, my wife wanted me to look at a 7 seater hence the request for a quote, so if it is a 44 it needs to be a 7 seater and it needs a 2litre plus engine,I will also be interested I see what deals you have on the more executive cars (my company car is a 520d)... My car allowance is £750 less tax so that's the budget.
Let me know what you think.
Oh I see
If that is the case would you be interested in a high spec ex demo 4x4 BMW x5 with 7 seats or similar?
Yes that sounds more like it.
As you are after a vehicle like the BMW X5, my partners who specialise in ex demo prestige vehicles will contact you.
If you have any problems do like me know.
Hi, I'm looking to lease a BMW 1 convertible.
Is this your only choice or would you consider other similar vehicles if the price was right? Maybe an ex demo lease where the prices are far cheaper or you get more for your money?
Hello, Sure an ex demo lease sounds good could i have more info on that?
Do you not have that Model at all available?
There is this one ex demo BMW 3 convertible which is available. There is also a 3 year old BMW 1 convertible for less money.
Interested let me know before they go?
I am very interested in the BMW 1 series convertible in white, Do you offer no deposit?
No deposit on these cars is only offered if you have very good credit history.
Do you have this?
I think its average. Or i could even take it out for 50 months?
Do i have the opportunity to purchase the vehicle at the end of the agreement?
I would also like the leather interior added.
Could i view the car online before?
I am also defiantly looking for a diesel.
I would like to go forward with this please.
Then you will be required to place a deposit, specially if you are going to change the cloth to leather, which will have to be paid up front too. Also this vehicle is petrol. So I guess it is a no from you.
I can raise a deposit if that will help things move more quickly.