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Testimonials

To Alan

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

From J

J

Alan, many thanks for all your help & advice
Best wishes,
L&G

L & G

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

Thank you for all your help

From

RM x

RM

Thank you very much Alan for all your help in getting me the best deal possible for my new car Your just wonderful! AG

AG

Alan

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

J

To Alan and all at Newforge Cars who helped with the purchase of my new Nissan Juke. I love it!!

Thank you

D

To Alan

Thank you so much you're a star! See you soon for the car comp!

Lyndsay

Alan

Thanks for sorting out my new car deal! ..... I will give you first refusal on any car change within the family. NR

Nigel

Alan
Thank you very much for all your with my car problem.

Amanda x

Amanda

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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