Find The Right Car Finance Deal For You
Having car finance means that instead of paying for the car upfront, you can divide the cost into manageable monthly instalments.
We believe that getting car finance should be easy and stress free. We remove all the jargon, explaining your options in terms you can understand. We do the hard work for you searching our large panel of lenders and presenting the viable options to you so that you can make an informed decision.
It is possible to get car finance with no deposit car finance and no guarantor. We compare different APR rates and arrangements with our Lenders to find a car loan for you.
Whether your credit history is poor or excellent, we’ll do our best to find you a suitable finance option and get you into the new car you desire.
There are a number of finance products available to you
Hire Purchase (HP)
Hire purchase (HP) is our most common form of finance; you pay the car off monthly over a set term, at the end of the term you own the car outright. Benefits include no mileage restrictions and no lump sum payment at the end of the agreement.
– Deposit optional
– Fixed monthly payments
– Own the car outright at the end of the agreement with no balloon payment.
*It is possible to change cars before the end of the agreement.
Personal Contract Purchase (PCP)
Just like a Hire Purchase agreement, Personal Contract Purchase (PCP) gives you the option to pay an initial up-front deposit, followed by a set number of payments per month. At the end of the agreement you can either pay to own the car, return it or exchange it.
– Optional Deposit
– Fixed Monthly payment
– return the car, exchange the car or pay a lump sum (balloon payment) to own the car.
*Subject to mileage and condition.
Finance terms generally range between 2 years(24 months) and 5 years (60 Months.) The longer the term the lower payments will be.
Whether you pay a deposit and the amount you pay is completely up to you, it is not always a requirement. Paying a deposit can be a good way to keep payments down as it will mean you are financing less.
The Finance products available to you will be dependent on your credit profile. As soon as you apply you will be assigned a personal genie who will be able to outline all of the options available to you.