Trying to work out the best way to fund your car can become complicated - so many offers and confusing jargon.

We offer a range of finance plans for both private buyers and business buyers. (Some of the plans are more suited to business buyers because, for example, the payments attract VAT. On the other hand, personal loans are for private buyers only.)

Here's a quick rundown.

Private buyers
For private buyers, we offer:
Hire Purchase
Personal Loan
Private Contract Purchase (PCP)
Personal Contract Hire

Hire Purchase
'HP' is the conventional method of funding a vehicle - and is still a good choice. We offer loan periods of up to 60 months, and deposits from as little as £99. Subject to status.

Personal Loan
We offer rates from as low as 10.9%. Subject to status.

Personal Contract Purchase (PCP)
In a nutshell, a PCP allows you to defer repayment of a chunk of the vehicle until the end of the agreement. This means that you're only making repayments on part of the vehicle, so your monthly payments are lower. Then, at the end of the agreement, you pay off that chunk in a lump sum, re-finance it if required, hand the car back or part exchange it for a new one. You'll find a more detailed explanation at our PCP page.

Personal Contract Hire
Personal Contract Hire means you literally hire the vehicle for an agreed period. It's pretty much like an extended version of when you hire a car for a week on holiday. The main difference is that you agree to hire it for a much longer period - typically two or three years, and you are responsible for insurance.

The main benefit is convenience. You don't have the normal car ownership worries to deal with - such as depreciation or selling on again.

You can choose either to have maintenance costs included or to pay for these yourself. Call us on 0845 686 0800 and we'll be pleased to answer any questions you may have.

Please Note:
Because of financial regulations, if you are a private buyer or a business that isn't Limited, and wish to take advantage of our finance options you will have to sign any documentation at our Norwich premises. This ruling does not apply to Personal Contract Hire or Contract Hire for business users.
Sorry! It's the regulations.

Business Buyers
For business buyers, we offer:
Hire Purchase
Leasing
Contract Purchase
Contract Hire
Low cost mid and long term rental

Please call and we'll tailor a solution to your particular requirements.

You'll see that we offer Contract Hire on our nearly new vehicles. This is quite rare - most people only offer Contract Hire on new vehicles. Therefore, in some cases we can offer you a substantial saving against what you may otherwise have to pay.

VAT Qualifying
Virtually all our cars are available as 'VAT Qualifiers'. This means instead of paying, say, £10999 you pay £9361 + VAT. You may be able to reclaim all or part of the VAT.

The VAT qualifying advantage is also built into some of our finance options for business buyers This is because the lender can take advantages of the VAT qualifying status and market forces ensure these savings gets passed on.

Invoicing your own finance company
We are also happy to invoice your own finance company if you already have existing arrangements in place.