Finance

Finance packages are available to all our customers through a number of well-known finance houses. We will endeavour to find the best package to suit your funding requirements and advise you accordingly.

Part exchanges are welcome, & low deposits accepted for every finance deal we offer.

For further information or written details please contact our sales team. Credit Cards accepted.

Conditional Sale (CS)

Conditional Sale is a great option if your customer wants to own the vehicle at the end of the term. It’s also the most straightforward finance product with fixed monthly payments and flexible deposits to suit all budgets. 

A deposit of around 10% is usually required and the term can be 1 - 5 years. The finance is also secured against the vehicle.

 

Personal Contract Purchase (PCP)

PCP is great if your customer wants to change or upgrade their car or motorcycle at the end of the finance term.

Under a PCP agreement we guarantee the minimum the vehicle will be worth at the end of your agreement based on the agreed annual mileage and maintenance of the vehicle. This value is known as the ‘Guaranteed Minimum Future Value’ and by deferring this to the end of the term, your customer could benefit from lower fixed monthly payments compared to our HP and CS products. 

A deposit of around 10% is usually required and the term can be 1 - 4 years. The finance is also secured against the vehicle.  

At the end of the term your customer has three options:

  • Part-exchange it – use any value left in your vehicle to part-exchange it for a new one
  • Buy it – pay off the final payment (Guaranteed Minimum Future Value plus the Option to Purchase Fee (OTP) in one lump sum and become the legal owner
  • Hand it back – simply hand back the vehicle and the keys, pay any charges incurred, and walk away

 

Why Finance Through a Dealership

 

What is Hire Purchase?

 

What is Personal Contract Purchase