Finance

Hire Purchase

Hire Purchase could help you buy the car you want while spreading the cost. You choose the deposit on the car, interest rates are fixed so you’ll always know the amount of each payment until the car is yours. You pay over the chosen period and after the last payment you own the car outright.

Our documents are clearly written so you can be sure there are no hidden extras.

If you want to own your car outright at the end of your payment plan.If you have a deposit available, or a part-exchange which could be used as a deposit.If you like to budget – you’ll know the exact payment amounts each month.

How can I find out more?

Ask us for a quote or click on the car from the Stocklist tab on our website and see the Finance Calculator for a quotation

* Finance is available subject to status, to UK residents aged 18 years or over. Indemnities may be required. Conditions may apply depending on credit score status. Please contact us 01245 327911 or email us at stuartlord@essexautomotive.net for further details

Personal Contract Plan (PCP) 

1. You pay a deposit and agree regular payments based on your proposed annual mileage.  

2. At the end of the agreement you have three options - return the car*, part exchange it* for a new one (subject to dealer’s agreement), or buy it outright with a final balloon payment.  

And the beauty is, you have two or three years to decide which option to choose.

Three final options

Return the car to the finance provider and pay nothing more, as long as the vehicle is in good condition, the mileage is within the agreed limit, and all the payments have been made, or part exchange the car for a new one, subject to payment of your outstanding finance, or pay the outstanding finance and own the car outright.

  • Cars up to 5 years old at inception and 9 years old at the end
  • No maximum deposit
  • No maximum contract mileage
  • Terms from 24 – 48 months
  • Available to private individuals, business users and limited companies
  • On-screen HP v PCP comparisons

How can I find out more?

Ask us for a quote or click on the car from the Stocklist tab on our website and see the Finance Calculator for a quotation

* Finance is available subject to status, to UK residents aged 18 years or over. Indemnities may be required. Conditions may apply depending on credit score status. Please contact us 01245 327911 or email us at stuartlord@essexautomotive.net for further details

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