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Finance Options

Personal Contract Purchase (PCP)

A Personal Contract Purchase arrangement, or ‘PCP,’ is a type of financing that allows you to lower your monthly payments by deferring part of the repayment until the conclusion of the contract. The GMFV, or Guaranteed Minimum Future Value, is the ultimate payment that is guaranteed by the financial lender. This statistic is based on industry data and determines the expected worth of your car at the end of the finance arrangement, based on the term and estimated yearly mileage. Should used automobile values fall in the future, the GMFV will provide you with further protection.

Hire purchase (HP)

Hire Purchase is a type of financing that gives you a fixed interest rate and monthly payments, allowing you to budget accurately. You hire your car after paying a very small deposit and will pay for the whole worth of the car in monthly instalments. It’s one of the simplest types of financing because there are no mileage restrictions, making it easier if you’re not sure how much you’ll use the vehicle.

Lease purchase (LP)

Monthly payments are lower with Lease Purchase or Balloon HP than with Hire Purchase. LP is a finance plan that gives you a fixed interest rate and fixed monthly payments, with the exception of a final option to purchase fee.

Our Partners

We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We will receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment we receive may vary between finance providers and product types. The payment received does not impact the finance rate offered.

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