A flexible purchase package with various options at the end of term. Once contract term and deposit amount are decided, the (GFV) Guaranteed Future Value is set. At the end of term you have a choice to hand the vehicle back, purchase the car by paying the “GFV” or part exchange the car.

Lease Purchase

A purely financial package for the client wishing to purchase his vehicle with no service or maintenance options and no mileage restrictions.The client has no option to return the vehicle at the end of term and is liable for the vehicles' full value at the end of term which can be paid for by way of “Balloon Payment”.
Asset shown on balance sheet.

Contract Purchase

A purchase option offering many of the no risk advantages of Contract Hire also with the options of maintenance and servicing.The vehicle can be purchased at the end of term with a “Balloon Payment”. VAT is only charged on the servicing element of the monthly payment.
Asset shown on balance sheet.

Hire Purchase

The traditional form of funding with a minimum deposit, fixed monthly installments and ownership passed at the end of the period.

Finance Lease

A funding only option very worthwhile if the vehicle has a high residual at the end of term. Finance calculated on the ex-VAT figure and there are no mileage restrictions. However the customer isn’t entitled to purchase vehicle and is liable to find the residual value and dispose of the car at the end of term. Asset is shown on balance sheet.

Adverse & High Advance Deals

As we operate a price to risk policy, this enables us to write business at highly competitive terms for those customers with a strong credit profile. This also enables customers with adverse information registered against them to be financed as long as they display a willingness to pay. Alongside this facility, we are also able to place deals where customers have little deposit or need a high advance against vehicle pricing.