Car Finance

When you apply for a loan threw our self's we use a whole host of different companies to match your needs. We use a few lenders based on your credit profile from there we will assign you to the best rate.

We use a list of 6 lenders the main 3 will be Northridge, MotoNovo or HPI Finance all these will depend on your credit history and past debts, and if you have any CCJ's.

For our prestige and rare cars we use northridge which is a member of the bank of Ireland group providing HP agreements to lease.

HPI, Northridge & MotoNovo all conform to the finance & leasing association's code of practice.

MotoNovo have a few special offers open to their customers, these include discount shopping on fuel, high street and food goods.

We also have sub prime lenders for people with poor credit scores.

Our typical APR is based on age of car and amount needed to lend for a free tailored quote which won't affect your credit rating please ring Nicolas Raimo on 01663 743 760.

We now offer an online system to which you can submit your details for an acceptance to finance, This will only be suitable to prime clients if you know your sub-prime please call us. To use the online system find the car you want in the stocklist and click apply. The idea of this new online system is to speed up the collection of your used car. When using this online system and if you pass you will be able to collect your car within an hour from our showroom.

RTI/GAP

What is Return To Invoice Insurance?

If your car is declared a "Total Loss" by your road risk insurance company, you will only be paid the 'current market value' of the vehicle at the time of loss NOT WHAT YOU ORGINALLY PAID!

Fortunately you can soften the blow with RTI. it pays out as a supplement to your comprehensive motor insurance, so you can afford to replace your vehicle with a similar model.

How does RTI work?

if your vehicle is deemed a Total Loss by your road risk vehicle insurer. Return to Invoice insurance will pay the difference between;

The Motor Insurance settlement or Glass's Guide Retail Value, whichever is the higher and the net invoice price you paid for your vehicle.

For Example; your vehicle is involved in an accident and is declared a Total Loss by your Motor Insurance company. You have RTI and make a claim to make up the shortfall between what you originally paid for the vehicle and the insurance company offer;
Vehicle; Porsche Cayman
Registration Date: 24 May 2007
Net Invoice Price £19,995
Market Value after 2 years: £14,000
Claim Value: £5995.

Eligibility

To be eligible for RTI your vehicle must satisfy the following criteria;

The vehicle is up to 10 years old.
The vehicle invoice price is less than £75,000
The vehicle will be fully comprehensively insured throughout the term of the policy.
The vehicle is less than 3.5 tonnes in GVW
The vehicle will not be used for hire or reward (e.g. taxi, speed testing, etc...)

Full Terms and conditions available on request.

Finance Gap Benefit

If any settlement on your dealer arranged car finance is greater than the amount covered under your RTI policy, then Finance GAP will settle the higher figure. What's more, Finance GAP will cover your for up to 60 months of your loan.

The cover does not include any warranty charges, insurance premiums, service plans and road fun licence included in the purchase price of your vehicle.
Negative equity from a previous vehicle is not covered under this policy, your vehicle qualifies for RTI/GAP insurance if; vehicle is up to 10 years old and 1000,000 miles at date of invoice.
Your total loss is covered when it occurs within Great Britain, ise of man, channel islands or a member country of the European community.
Market Value is greater amount of either the insurance company payout or glass's guide retail value
And meets all the terms of RTI.

Full Terms and conditions available on request.

Your Credit History

As you may be aware all lenders use a different score system, but all score systems will do a check of your credit history, we advise checking your credit history to make sure there is no fraud on your file, there are 2 main credit scoring companies please see the advert below for a free trail of one of these systems, it will allow you to view your credit history for free for 30 days*.

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