Alfa Romeo 
Audi 
BMW
Chevrolet 
Citroen 
Fiat 
Ford 
Honda 
Hyundai 
Jaguar 
Kia 
Land Rover 
Lexus 
Mazda 
Mercedes-benz 
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Mitsubishi 
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Subaru 
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Volkswagen 
Volvo 
Personal Contract Purchase
This is a conditional sale agreement which allows you the option to purchase the vehicle, or to simply hand it back at the end of the contract period.
You can elect to include the same comprehensive service, maintenance and repair options as are available through Contract Purchase.
Finance payments are not subject to VAT. If the optional service package is taken, VAT is payable on the service costs.
Finance Lease
Finance Lease is a tax efficient option where you choose to pay either the entire cost of the vehicle, including interest charges, over an agreed lease period or opt to pay lower monthly rentals with a final payment based on the anticipated resale value of the vehicle.
At the commencement of the contract, usage parameters for the vehicle are agreed, and assuming this does not vary, monthly payments and interest rates are fixed for the duration of the contract. Therefore you benefit though fixed costs but do take on the administration and operating risks. At the conclusion of the contract you can continue to operate the vehicle under a "peppercorn agreement" although you will at no time take ownership of the asset.
Lease Purchase
Lease Purchase is an agreement designed to offer dedicated vehicle funding where the customer wishes to purchase the vehicle. It is purely a finance package, and does not include maintenance or other added-value services (such as are available through Contract Purchase).
The customer is liable for the full value of the vehicle and has no option to return it at the end of the agreement. Monthly payments are not subject to VAT.
The vehicle is registered in the name of the customer.
Personal Contract Hire
This is the solution for private individuals and is becoming more popular amongst car users.
Key features and benefits include:
- Fixed rentals for the whole package, making budget planning easier
- Flexible terms to meet your requirements with variable duration and mileage terms
- Maintenance of vehicles can be included in monthly rentals, and so spread the cost
