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    Are you a private or business customer?

    What sort of vehicle are you interested in buying?

    What sort of vehicle are you interested in buying?

    Will you change the vehicle regularly (every 2 or 3 years)?

    Do you want the option to buy the vehicle(s)?

    Business warning

    Vehicle finance for business is a complex subject and the right finance plan will depend on many factors including business status, cash flow, other borrowings and tax planning. We strongly advise you seek professional help from the business expert at your local dealership. The business finance products described here are for initial guidance only.

    Do you want to take the risk on the residual value?

    Do you want the option to own the vehicle?

    Are you likely to keep the vehicle for more than 2-3 years?

    Would you like to own the vehicle?

    Would you like to take on the risks and rewards of the resale of the vehicle(s)?

    Taking these on could mean the business could profit from the resale process or could be left with additional costs - depending on the vehicle's usage, condition and its natural depreciation in the market.

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    this product might interest you:

    Purchase Plan

    A simple way of financing that gives you the certainty of a fixed interest rate and fixed monthly payments throughout the agreement.

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    Personal Contract Purchase

    Similar to a Purchase Plan agreement but with additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment.

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    Lease Purchase

    This is a straightforward form of purchase agreement specially designed for business users. The initial deposit and repayment periods can be structured to help meet your budget and the length of time you anticipate owning the car.

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    Personal Contract Hire

    The choice favoured by most people who would prefer to use a vehicle, rather than own one. You simply choose a vehicle for an agreed period up to 48 months in exchange for a fixed monthly rental which includes Road Fund Licence. 

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    Contract Hire

    A very cost-effective method of funding your vehicles. It gives your business an additional credit line and can release funds for your core business activities. You simply choose a vehicle for an agreed period up to 48 months in exchange for a fixed monthly rental which includes Road Fund Licence.

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    Contract Purchase

    Contract Purchase is a flexible arrangement that’s popular with many businesses due to the variety of options it offers. You simply put down a deposit, make regular payments and at the end of the agreement you have three alternatives: you can return the car with nothing more to pay (subject to mileage and condition), you can pay the Guaranteed Future Value and keep the car, or you can use any equity as part exchange to buy another car.

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