Car Finance

To start your finance application, please click on the link below:
Start Finance Application




We offer three main types of finance packages though a partnership with leading financial brokers, who will search the market for the best deal of your behalf. We are regulated by the Financial Conduct Authority (FCA License No. 935566) and adhere to their strict code of conduct.

Our expertise with finance means that even if you have a poor credit rating or outstanding finance on a vehicle that you wish to part exchange, we can help arrange finance for you. Should you wish to take advantage of the finance deals on offer, please get in contact to start your application.

Our aim is to secure the best deal you are eligible for from our panel of lenders. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates but the commission we receive does not influence the interest rate you will pay. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance is subject to status and income. Terms and conditions apply.

We offer the following packages:

1. HP: Hire Purchase


One of the most common forms of financing an asset is through a process known as Hire Purchase, or HP, which offers a straightforward way to spread the cost of your loan.
‍
There is a fixed rate of interest with fixed monthly payments, which allows you to take ownership of your asset once all payments have been made. HP finance can make budgeting for your new purchase simple and easy.

Advantages:

  • You owns the asset at the end of the agreement.

  • Greater control, with the ability to make over payments.

  • Low rates.

  • No mileage restriction.

  • Can finance any vehicle regardless of age and mileage.

  • Zero deposit options.







2. PCP: Personal Contract Purchase


Personal Contract Purchase or PCP is an increasingly popular choice for vehicle finance. If you like to change their cars regularly but want low monthly payments to fit your budget, personal contract purchase could be the answer.

PCP finance may be the best option for you if they are looking for flexible options and guaranteed future value.

Advantages:


  • Low risk – The future value is guaranteed.

  • Payments are usually less per month compared to Hire Purchase

  • The customer can buy or the sell car, part-exchange it or just return it at the end of the agreement.

  • Low rates offered.

  • Help with advertising of vehicles.

  • Great choice with customer retention.

  • Customers can choose a higher specification or newer Car in comparison to Hire Purchase due to the lower monthly payments






    • 3. LP: Lease Purchase


    It is a flexible product and it is possible to put down a larger initial payment, which has the advantage of reducing the monthly payments. The monthly cost is worked out on the difference between the retail value and the depreciation value plus interest. There is no option to purchase the vehicle at the end of the lease agreement.

    Advantages:

  • Low risk – The future value is guaranteed

  • Payments are less in comparison to Hire Purchase payments

  • Low rates offered

  • Help with advertising of vehicles

  • Great choice with customer retention

  • Customers can choose a higher specification / newer car






    • To start your finance application, please click on the link below:
    Start Finance Application