Here at Buy 4 Less we understand that buying a car can be a stressful time for many people and usually involves spending relatively large amounts of money. We always put our customers first, which is why we offer a pressure-free sales environment, giving you plenty of advice and assistance along the way. We go to great lengths to ensure that you only buy a vehicle that’s perfect for your needs and budget.
To make life even easier for our customers, we also offer a variety of finance options. This means you can purchase your next vehicle despite not having all of the cash available to pay up front. This means that you may be able to afford a vehicle that you initially didn’t think was within your budget.
We can provide you with both HP and PCP finance packages, tailoring your payment plan to suit your needs. We can deal with people who have good and bad credit, and we can offer a zero deposit finance plan so get in touch today to find out more about our finance options.
Hire Purchase (HP)
HP finance packages are better for individuals who wish to purchase their vehicle outright at the end of the plan. With a HP Finance plan you pay a deposit up front, and then pay off the rest of the vehicle in monthly installments over a set period of time. After this period, and when you have made the last payment, you then own the vehicle outright.
Personal Contract Purchase (PCP)
With a PCP finance plan, you basically take out a loan in order to pay for the car. However, unlike a normal loan, you won’t be required to pay off the entire value of the vehicle. This means that once the deal has ended, you won’t own the vehicle outright. You will pay a deposit, and then you’ll pay a monthly fee to cover the cost of the vehicle based on how much its value will decrease over time, minus your deposit.
Once your payment plan comes to an end (you will agree upon this with our expert team and our finance provider) you then have the option to pay an additional fee to purchase the car outright. If you don’t wish to do so, then you don’t have to pay anymore money and you can simply hand the car back. PCP is a great option for people who want to change their vehicle every couple of years or so.
Want more information? Give us a call!If you want to learn more about our finance options, or want to ask us about any other services we offer, then get in touch today! You can give us a call on 01372 373888 and one of our friendly, helpful team will be happy to help.