Finance options
We hope to soon be able to offer our clients a range of finance options to help enable the purchase of their new used car. However, to conform to current FCA regulations we are currently unable to offer finance until approval has been granted. That being said as soon as we have attained FCA approval we hope to offer the following services and facilities.
SUPER FAST
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AFFORDABLE
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OIL CHANGES
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AIR CONDITIONING
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TRANSMISSION
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DEALERSHIP
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Financing Calculator
Ownership:
- HP (Hire Purchase): With HP, you are financing the purchase of the vehicle. You make monthly payments over an agreed-upon term, and once the final payment is made, you own the car outright.
- PCH (Personal Contract Hire): PCH is essentially a long-term car rental. You make monthly payments to use the vehicle for an agreed-upon period, typically 2 to 4 years, but you do not own the car at the end of the contract. Instead, you return the car, and you may have the option to enter into a new lease for a different vehicle.
Monthly Payments:
- HP: Monthly payments for HP tend to be higher than those for PCH since you are paying for the full value of the vehicle.
- PCH: Monthly payments for PCH are generally lower because you are essentially paying for the depreciation of the car over the lease period.
Ownership and Depreciation:
- HP: You bear the responsibility for the depreciation of the car, but you also have the potential for equity in the vehicle once the finance term is complete.
- PCH: The finance company takes on the risk of depreciation. You have no ownership interest in the vehicle, and you won’t benefit from any equity.
Flexibility:
- HP: You have the flexibility to modify and personalize the vehicle as it is essentially your own.
- PCH: You are generally expected to return the vehicle in a well-maintained condition, and there may be mileage limits and restrictions on modifications.
End of Agreement:
- HP: At the end of an HP agreement, once the final payment is made, you own the car outright.
- PCH: At the end of a PCH agreement, you return the car, and if you want a new vehicle, you would typically start a new lease.
Ultimately, the choice between HP and PCH depends on your preferences, budget, and whether you value ownership or prefer the flexibility of regularly changing your vehicle. Always carefully read and understand the terms of any finance agreement before entering into it.