Our Finance Options

The Benefits Of Financing Through A Dealer

There are many benefits to financing your car through a dealership. The main benefit is that its simple and easy to do so. We can asisst you with finding the very best finance deal, tailored to you.

We work with a wide range of car finance providers, serving customers up and down the country. Including customers in Essex, London and Kent.

Personal Contract Plan (PCP)

This a variation of a Hire Purchase. The main difference is that the value of the car at the end of the contract is calculated at the start of the agreement and this is not included in the finance calculation. This sum is usually called a Guaranteed Future Value (GFV) and is based on many factors including the age of the car when the agreement is due to end, and the milage that you expected to cover in the agreed term of the loan. The future value of the car is guaranteed by the lender so should be considered fixed.

Having a GFV in this way means that your regular monthly payments are lower than those on a comparable HP agreement over the same term.


Hire Purchase (HP)

This a type of finance that allows you to buy a car outright. The cost is spread over fixed monthly instalments set at the start of the contract, usually for between two and four years. You'll own the vehicle as soon as the final payment is made.

It’s sometimes referred to as Conditional Sale.