We are able to offer a full range of finance options. As with our car sales, we endeavour to get the most competitive deal to suit your situation. Below is a brief description of the types of loans available. Please choose the option that you think best fulfils your requirements and proceed to the application form for a quote. Alternatively contact one of our advisors who will be happy to discuss the available options with you.
A fixed monthly cost and fixed loan period ideal for consumers wanting a fixed budget. The user is effectively the owner but title does not pass until the loan is fully repaid. As it constitutes a loan monthly payments do not carry VAT. The client has cancellation rights at the halfway point in the agreement. Hire purchase is available on vehicles to 10 years old.
A conditional sale agreement, with a balloon or residual value set from outset. Fixed cost, fixed term, with options at the end of the contract to either pay the balloon payment or return the vehicle. However dehire damage and excess mileage rates apply. The user has three options at the end of contract:
- Return the vehicle to the leasing company.
- Purchase the vehicle at the pre-determined residual value (balloon).
- Retain the vehicle and re-finance the balloon payment.
Lease Purchase is effectively a Hire Purchase contract that includes a single larger payment (Balloon) at the end. This reduces the monthly payment during the life of the contract. The client must pay the balloon payment or fund the balloon payment at the end of the contract. The balloon is set from the start of the contract. Fixed term and fixed monthly payment.
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