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Finance

We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We can help you create a finance package that could get you behind the wheel of your dream car.

Finance is often a major part of our customers’ car buying journeys, so we have partnered with MotoNovo Finance to offer some great packages as well as peace of mind. 




Car Finance Explained

There are three main types of finance deals that you might want to consider: 

Hire Purchase (HP)

Spread the cost of your car, van, or motorcycle by paying fixed monthly instalments. With terms available from 12 to 60 months and an optional deposit amount, you can choose a payment plan that suits your budget. You can also enjoy a one month payment holiday on your agreement. Interest is calculated from the day your agreement starts.

When you have paid off the finance agreement, as well as the option to purchase fee, the vehicle becomes yours.

Personal Contract Purchase (PCP)

Spread the cost of your vehicle by paying fixed monthly instalments with terms up to 48 months.
This product contains a balloon payment at the end of the finance agreement, which would make the monthly instalment amounts lower than a traditional Hire Purchase (HP) agreement. This is great for customers who like to have the option to change their vehicle every 3 to 4 years.

When you have paid off the finance agreement, as well as the final balloon payment or Guaranteed Minimum Future Value (GMFV), the vehicle becomes yours. Alternatively, you can return the vehicle to the lender or use it as a part exchange against your next vehicle.

Hire Purchase Plus (HP+)

This is a combination of our Hire Purchase (HP) and a personal loan (+) when you purchase your vehicle.
The personal loan is designed to be used for:

- settling a previous finance agreement; 

- vehicle extras/accessories

You can enjoy a one month payment holiday on your agreement, with interest calculated from the day your agreement starts. When you have paid off the finance agreement and settled the option to purchase fee, the vehicle becomes yours.


Ask About Our Finance Options