We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We can help you create a finance package that could get you behind the wheel of your dream car.
Finance is often a major part of our customers’ car buying journeys, so we have taken the necessary steps to offer some great packages as well as peace of mind. As a Financial Conduct Authority (FCA) registered dealership, we have developed relationships with a wide range of lenders nationwide for your convenience.
Kirkby Road Garage is authorised and regulated by the Financial Conduct Authority, Under FCA number: 675082. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written quotations available on request). Whichever lender we introduce you to, we will typically receive commission from them (either fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.
Car Finance Explained
There are three main types of finance deals that you might want to consider:
Hire Purchase
Sometimes just referred to as HP, this is a loan secured against the vehicle itself. This is a great choice for people who want to spread out the cost of their car. Typical HP deals involve a deposit and the rest of the balance is paid in instalments, plus interest. Once you’ve paid your final instalment, you own the car outright.
Personal Contract Purchase (PCP)
This is a good option for those who like to change their car every few years but don’t want to fork out a big sum each time. You will typically be asked to pay a deposit followed by monthly payments. At the end of the agreed period, for example, three years, you will have the option of paying the rest of the balance, returning the vehicle or using any residual value on a deal with your next car.
- Why Finance Through a Dealership?
- What is Hire Purchase?
- What is Personal Contract Purchase?
Kirkby Road Garage is authorised and regulated by the Financial Conduct Authority, Under FCA number: 675082. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. (Written quotations available on request). Whichever lender we introduce you to, we will typically receive commission from them (either fixed fee or a fixed percentage of the amount you borrow) this will not affect the rate you are offered or the amount you will pay back. The lenders we work with could pay commission at different rates. All finance is subject status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.
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