We can introduce you to a wide range of car finance providers depending on your needs. We use a list of lenders but are not limited to these. if you have any CCJ’s or any previously missed payments please let us know so we can select the correct finance companies to get you the best rate without submitting you to lots of finance companies. For our prestige and rare cars, we use a panel of lenders who provide HP agreements and PCP (Personal Contract Plan). Some of our other lenders provide HP/ LEASE and Personal Loan agreements. All Lenders conform to the finance & leasing association’s code of practice. We also have subprime lenders for people with poor credit scores but this would need to be discussed prior to the proposal. All deals APR will be based upon the car’s age and your credit history typically 48 months gives the best APR which start at 8.6% APR. Some high net worth customers may be able to secure a cheaper rate via us.
HP Explained
HP or Hire Purchase, is a loan on the car for a set term, at the end of the term you will own the car in full. HP is normally available between 12 to 60 months
HP Balloon
No to be confused with PCP, HP with the balloon is the same as HP apart from a LUMP payment is deferred till the end of the term, to which it will need to be settled in full this can be achieved by selling the car, paying the balance or part ex against another vehicle you could also refinance if applicable to you. Once the final payment has been made you will own the car in full. The term can range and be up to 49 months in total.
SAF Approved
Nicolas Raimo is has passed the special automotive finance competence test.
We include GAP for free with all our RTI policies.
Poor Credit?
We do have lenders that can help so please get in contact and let us know in advance.
