Bad Credit and Subprime Car Leasing News & Blog

What cars can I have where no deposit is an option?

When you say you have bad credit can you please explain this to me please?

Nothing serious, I just have a couple of missed payments recently, but not on the car contract or my mortgage. I need a car for work and have a car allowance of £550-00 a month I have a contact hire at the moment and am paying £480 a month but this is due to end now so need another car.

Depending on what you are going to tell me about your credit history, I don't think you are going to get into a Jaguar as the price will go through the roof due to your credit score. With the budget you have you might get into a top of the range used cars Insignia, Mondeo, Passat, BMW 3, also have a couple of deals for the Mercedes A Class, even a Kuga, Unless you have some other preferences? These cars or are you open to other suggestions? So I don't open up your credit file when you say miss payments, mobile phone, credit cards or something else? and how many in a row? If you have 6 in a row that is a default which becomes more serious and harder for us to find the right funder willing to finance your car lease.

To be honest, it was for credit card and a loan and missed a couple in a row now agreed a repayment plan. The car was always paid that’s with Honda. I am open to any suggestions for around the £550 mark as I do need a car I could do with sat nav on it as well so just let me have any car you can get so I can have a look.

I will start you off with a top of the range Insignia. Nice and powerful car with loads of extras. Then when you get contacted by the finance department, you can discuss with my colleague other cars, models and price depending on your credit score. I think £550 will get you something nice.

Would it be possible to get a Mercedes?

Yes if there were some in stock. Sorry there are no Mercedes available at the moment and will not be an option. Don't have any approved used cars ones either. The thing is we can only lease from the approved used cars range of vehicles for bad credit and cannot lease a brand new car from a dealership. Did you know if you keep asking for quotes from dealers the more your credit score goes down. Hope you haven't been doing that.

I'm a banker for Mutual Finance and was wondering if you can help me? I'm looking for a vehicle with an engine size around 1.6 to 1.8, doesn't have to be an injection but must be automatic, high off the ground and easy to get in and out.

The best vehicles that probably are probably the Meriva, Zafira and Focus.

Have any of those vehicles got the option for 7 seats?

The Zafira comes with 7 seats and the Meriva comes in automatic too.

I'm thinking of leasing a car but I am not sure if I should lease it for 2 years, 3 or 4 years. Can you explain to me the difference in price?

I would like a long lease car for up to 36 months. I work as a community midwife and rely heavily on my car. Therefore maintenance will be essential to my quote. My annual miles are between 8-10,000. Car preferences would be: 1st- VW Golf. 2nd- BMW Hatchback. 3rd- Ford Focus. 4th- Vauxhall Astra. My budget is from £100-£190.

I will resubmit your request for a Golf. Once you get contacted by my colleague, you can discuss other cars and prices. The best deals are the used cars which work out cheaper. Based on the miles you said you you, you are better to maintain the car yourself as that will save you a significant amount of money.

Thank you for your prompt response. Just wanted to know about the insurance side of things. Will that be provided by Time4Leasing or do I organise that?

Yes you will have to organise it. Once you know which car you are going to have from Hippo, you then take the registration number and try and get a quote for insurance from a comparison website.

I'm a Doctor and I was interested in the NHS car leasing and am not quite sure how it works. Im interested in a 4x4 under £350 a month for 2-5 years and 10,000+ miles. The Nissan Qashqai and Ford Kuga are the cars i'm most interested in, but I'm not sure if I should lease for 2 years or 5 years, can you help?

The best prices work out better on a 4 year lease and not for 2, 3 or 5 years. However, with us you can return the vehicle back to us after 2 years without any penalties, or you can swap the car for something else or just walk away.

So you are saying I can lease a car from your company for 4 years and then if I like to return it I can give it back after 2 years?

Yes that is correct. However, you will loose a bit of money and time as you will have to lease all over again. Most people keep the car for 4 years which isn't bad as the car is still fairly new. Anything else you would like to know

Can you briefly tell me know the process works?

How leasing works with us is as follows:

I have a poor credit history due to some problems a few years ago following the purchase of a house during the property crash. I am paying back credit cards on a no interest basis and have kept up these payments ok. My wages are at a reasonable level well above average. My budget would be around £250 a month and would need saloon type car. My present car has become very costly to run and looking at alternatives. Can you help me?

Hi, yes we can help you. We have a special subprime finance division that can finance cars to people with poor or bad credit. The prices are a little bit higher than if you had good credit, but it is still far cheaper than taking a bank loan.

I'm a mortgage consultant for an independent mortgage store and was hoping to lease a Skoda estate vehicle. Have you got something for me?

There are no Skoda on good lease terms I'm afraid, is this your only choice?

Would consider other similar vehicles. Price to be about the same. looking to lease for circa 3 years. was it because of the mileage I do?

The miles are not an issue when you lease with us. I will send you a similar vehicle with better specs.

Would consider a 1.4 also if that helps any.

An engine of 1.4 and an estate vehicle that would be one limp vehicle to drive. How about an Insignia Estate, 2 litre diesel engine. Can you stretch your budget a bit? Let me know if you like a firm quote on this vehicle or similar for less money.

I apologise. It seems my wife has sent me on a wild goose chase. (isn't that always the case!). It appears she has had a rethink without telling me and is now looking at a Ford focus sized car with max engine size of 1.6 but happy with 1.4. 2 kids under the age of 25(not included with the car please!) whom she may put on the insurance also. Looking to pay circa 170 max inc vat. Mileage would be 12k pa to be on the safe side. Appreciate your patience and effort.. Am in meetings for most of the afternoon so if I do not get back to you before 5 are you working tomorrow?

I will send you a quote for a Ford Focus with the latest Zetec engine, which is the best out of all the engines.

I am looking for dual control car to learn. I already 22 hours of driving lessons and very confident in driving. Just want to practice before taking practice test and reduce cost of driving lessons from instructor.

You need to have a valid driving license to insure the car.

I can get insurance based on my provisional license. It is available now.

You need to discuss this with an insurance company. I would expect that it will cost you thousands of pounds a year to insure a car as you have not passed your test yet. You could lease the car but have your parents as the main insurance policy holders and you as a named driver, but that still will cost you to insure. Can you find out?

I'm a primary care commissioning support manager and want to lease a Mercedes A class but don't want to pay a deposit, as in I want it with 0% deposit.

The Mercedes A class is not a 0% deposit finance deal.

We are particularly keen on the new shape a class but most other sites are out of our price range. Do ex demos come available often, and what kind of price would an a class be.

The A class new shape is not easy to find as an ex demo deal. We would have to wait a bit for that. The only Mercedes in stock at the moment is the M Class which is a totally different beast. If you would like something similar please view this list of ex demo vehicles which are all offered on 0% deposit finance or leasing and let me know if something else is of interest.

Thanks. Our current lease contract expires in November so perhaps I should get in touch nearer the time and you may have some A class approved used cars by then. There are some good deals on your ex demo page, so we will definitely contact you again.

The ex demo cars that are on offer are really good. One customer wanted a Jaguar XF premium luxury model which costs £38,000 brand new from a Jaguar dealer. As an ex demo deal, 2 years and with 15k miles on the clock, the car is still practically new, now costs to buy £26,000. That is £12,000 less to pay and that makes a huge difference when leasing. This would be the same with you when leasing your car.

I'm a textile engineer and was looking to lease a vehicle. My budget can go up to 250£ per month. I prefer diesel and I would really need a car big enough for a family of two babies.

What kind of car did you have in mind?

I don't mind about the car. I just need a nice, safe family car, I would prefer a 4x4 but its not my main priority. Can I rely on you?

As you have just come to England from Greece, have you being living and working in the UK for at least 3 years in a row? Do you have a UK bank account, credit card and bills in your name? Are you on the electoral (can you vote) and do you have credit history? Before I send you some vehicle ideas and prices, I'm asking this info as this will determine what kind of lease we can offer you.

I leave in the uk the last 2 years. I can't vote but I do have credit history and a bank account in HSBC. My monthly income after taxes is around £2500.

Normally you have to be living and working in the UK for 3 years minimum to be able to lease a car. I will ask my manager if we can do something for you, but it will have to be Monday as the offices are closed today.

Don't mind lease length my budget it around £200 a month deposits are not a problem but I have been refused car finance I'm in full time employment as a warehouse operative and would like to lease a car thanks.

What kind of car did you have in mind? City type, family, hatchback, saloon? Have you any preference?

Hi thanks for your super fast reply, yes i would consider similar or larger vehicles and ex demos depending on mileage and age do you have a list of available vehicles and prices ? hope to hear from you soon.

Try looking at the ex demo list or the 0% deposit list of current cars in stock - the cars available are featured in the middle of the page. There are some more vehicles listed on the right hand of the page. All good cars, good specs and low prices. Email something you like and I will get you a quote.

I thanks for the list i do like the look of the new focus titanium petrol or diesel 5 door have you got a choice of colours ? and how much would the payments and deposits be also how long would the lease agreement be over ?

I have emailed you the details.

I'd like to lease a car for 1 or 2 years and I do not have a deposit. Can you help?

At time4leasing the minimum hire is 2 to 4 years. If you want to hire a car for several months then go to www.hireinuk.com and compare the listed deals.

Thank you for your response. Would be interested in renting it for 24 months. How much would that cost per month? ideally no deposit. Me and my mum currently share a car and would be looking to do the same with this. How would that work in terms of leasing? Can my mum put it in her name and then I drive it as well?

Who ever has the best credit history should lease the car if you want a 0% deal. If one person leases the car and insures it the other person becomes a named driver on the insurance policy and is allowed to drive the car too. Some insurance companies allow no claims bonus to both drivers. You can worry about this once you know the registration of the vehicle you are going to lease. If you lease a car for 2 years the monthly payments increase significantly. You can lease the car for 4 years so to get the best possible price but you can hand the car back with no penalties after 2 years. It leaves now, who will be leasing the car? you or your mum?

It would be my mum who has the best credit rating so it would go in her name. I would be driving it more than her so if she does not want to get insured straight away and I do are we able to do it that way, or do we both need to be insured the whole time. we would ideally be looking for 2 years, what would it be roughly?

It would be best now to discuss this with an advisor from the team but it will be Monday as the offices are closed on a Sunday. I will resend your quote request but when you speak to the team they should be able to provide the best solution.

Ok no problem, so you have the number I need to call on Monday to discuss further. We will need the car asap so keen to get it sorted.

Sorry I don't assign the advisors. The person who will be assigned to you will email or send you a text with full details so to make contact.

Many thanks for your help, you are a star.

I've being living in UK for 2 years. Perhaps more but I don't know how to prove it. I would like - if possible - a monthly fee all included (road tax, insurance, maintenance, ect.) Pls. help me to find the right solution. Vauxall Insigna is only one of possible cars. I'm looking for a car with automatic gear and bigger enough to carry two golf bags... thanks!

At time4leasing the minimum hire is 2 to 4 years. However, we do have some offers for just 1 year (12 months) but they are limited and very expensive.

Other documents that would support your application are: UK Bank Account details, UK Credit or Debt Card, a utilities bill in your name; like BT telephone, a recent bank statement, the new UK driving license, both parts the plastic card and the paper version. If you are running your own business, then your business company house registration is required. If you are an employee then 3 pay slips and details of the company you work for. Also you should be on the UK Electoral and be able to vote. If you do not have at least 3 of the mentioned requirements then I'm afraid you cannot lease a car yet.

Hi, can I have some advice please on best way to get a car for my 19 year old son. He qualified to drive since May 2012. Can insurance be included if possible in the car lease? Looking at a Fiesta maybe or a small car. Any recommendations would be appreciated. Happy to get car in my name and have him as a second driver.

Your son is best to have his own insurance and not one that is included with a car lease so he can build his own no claims bonus. Insurance for your son could cost you £5000 or more per year or approx. £2000 if he is 19 or so, or £1,000 if he is 21 or even less when he is 25 or more. The cheapest way to get your son a car and insurance is to lease the car in your name if you have good credit history. If your son has good credit history, a steady job and bills in his name then it is better to lease the car in his name. Add the new car to your insurance. If your insurance company does not allow a multi car insurance then shop around for new insurance. Aviva have some really good deals for multi insurance policies. Make your son the main driver for the car lease and you can be the second driver. This way he gets to build his own no claims bonus via your insurance policy. If you have a wife and she has car insurance then you might like to add her as well to your policy or you and your son to your wife's policy. You will save a fortune. I will send you a quote for a Fiesta 1.2 which works out very cheap lease payments and cheap car insurance. If you need any additional information do email me and let me know.

Hi there do your prices include insurance and maintenance like the Nhsfleet?

Hi, our prices do not include maintenance or insurance. However, some prestige vehicles do include maintenance but not insurance. Most of our customers find it cheaper to lease a car from us and get their own insurance. Why do you ask please?

Me and the wife are just weighing up our options. She works for the Nhs and they offer a all inclusive package but the cars aren't great. The prices however are good.

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