Finance - Your Choices

Car Loan - Personal Contract Plan - Problem Credit Options

Traditional Car Loan
This used to be known as Hire Purchase and in essence is similar to a bank loan. You choose an amount as a deposit, deduct that amount from the cash price of the vehicle and then plan on monthly repayments over a 1, 2, 3, 4 or 5-year agreement. This is the most popular method of buying a car with finance.

• Fixed repayments
  At the beginning of the agreement, both the amount you will pay every month and the repayment period is fixed for your peace of mind
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Flexible payment terms
  Choose the length of the repayment period to suit your budget. You can choose between 12 and 60 months.

After you've made your final payment at the end of your agreement, the car is yours.

Low or no deposit
You can choose to either part exchange your current vehicle and use that amount as you deposit, perhaps use some of your savings as a deposit or put down no deposit and finance the whole amount.

Click here to complete our Part Exchange Valuation form and let us help you get an accurate valuation of your current car.

Choices

Choices Explained -

This type of purchase is designed to give greater flexibility by giving you more options at the end of the contract. Simply choose your new Vauxhall car and the deposit you want to pay. Then consider how many years you want the contract to run and project your expected annual mileage.

From this information we are able to calculate your monthly payments and the future value of the car, which is then guaranteed, protecting you from any future depreciation of the car.

At the end of the contract your options are:

• Hand it back - You can simply hand the keys over and walk away with no future responsibilities
• Buy The Car - by paying the guaranteed future value and you will then own of the car
• Choose a new car - part exchange your current car and choose a new one

Have you had Credit problems? We may be able to help

At not only can we can find you the right car. We specialise in helping people who have been refused credit or have experienced problems in the past. So whatever your reason - CCJ's, a poor credit history or any other previous problems - we can help.

Can you answer yes to these questions:

• Can you pay by Direct Debit?
• Are you over 19 years of age?
• Do you hold a UK driving licence?
• Have you been in full time employment for the last 12 months?
• Do you have computerised wage slips?
• Do you have a home telephone or mobile phone number?

If so, please call us on 01695 572551 or apply online by clicking here to go to the Finance Online Application form when you enquire about any vehicle and you could be driving away in car sooner than you think.

Finance subject to status, conditions and availability. Written quotations available on request. *Credit arrangement fee and option fees of £249 are included in the Total Amount Payable. The APR is dependant upon your individual circumstances, the term and loan amount. We are regulated by the Financial Services Authority (FSA). Our FSA Register number is 451032