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Testimonials

Hi Alan
Just a wee note to thank you for all your help with my new car.
I love my polo & it's going great.
Thanks again

LC

LC

Alan,
Thank you for all your help with my car

P

P

Hi Alan
Just a wee note to thank you for all your help with my new car.
I love my polo & it's going great.

Thanks again

LC

LC

Dear Alan

Many thanks for all your help in getting me my new car.

From
Zoe
xo

Zoe

Thankyou both for helping our Dad out today with a great deal, u have brightened up his day so much you will never know.

rjp

Alan

Thanks for all your help and kindness over the years, & especially recently! J

J

Alan
Thankyou so much for all the help you have given me with my new wheels. I really appreciate the fantasic offer you were able to do for me.
CF

CF

To Alan :)

Thank you so much for my new car - so delightful to have 'wheels' back again - woo hoo! Your assistance has been very much appreciated. Love it! Thanks P&R

P&R

Dear Alan

Thank you very much for all your help in sorting out the Mazda. I had a lovely drive down the motorway and anyone who has called today thinks Mazda 6 is No 1. ..........Kind Regards and thanks J

J

Dear Alan

I just wanted to put pen to paper and say thank you for organising the Clio for Sarah. She is delighted with the car and is so happy. This is the easiest car i have ever bought and will definitely pass the word around. I will contact you later in the year when i hope to change a Ford Focus. Thank you very much for all your time and effort. Please accept this and take yourself out for lunch some day. Yours sincerely L&S

L&S

Personal Contract Purchase

Personal Contract Purchase (PCP) is a type of vehicle finance agreement for personal customers looking to fund a new or used vehicle in a manageable way

The monthly payments are not subject to VAT, however if you do take out the optional service package then you will have to pay VAT on the service costs.

Advantages:

  • Low initial payment
  • Fixed monthly payments
  • You may be able to refinance the balloon payment
  • No depreciation concerns if you wish to walk away at the end
  • Maintenance and servicing can be included
  • Fixed balloon or guaranteed future value to purchase payment when you first take out the contract
  • Cost effective
  • Can be used to finance new or used vehicles

Disadvantages:

  • You will have to make a decision at the end of the contract as to whether you wish to sell the vehicle, return it or Keep it - this is often seen as an advantage to most people.
  • You must have fully comprehensive vehicle insurance

More Information on Personal Contract Purchase:

PCP is ideal for any individual who would like options at the end of their finance agreement. PCP customers make an initial payment when they first take out the contract, then pay fixed monthly payments and finally have an Optional Final Payment (OFP) at the end at the end of the contract which is also referred to as the GFV (Guaranteed Future Value).

You can trade in or sell your vehicle at a dealership and take another vehicle from them. If the trade in value is larger than the OFP you will be able to use the difference towards a deposit on a new vehicle. Or, you can simply return the vehicle to the funder, as long as you have not exceeded the mileage and the vehicle is in an appropriate condition for its age there will be no charge. Finally, you can keep the vehicle either by paying the OFP in full or you will find that most companies offer the opportunity to re-finance the OFP.

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