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Why should I finance my car?
This is quite simple. May people find finance an affordable alternative to buying a car outright with one lump sum. Let’s face it how many people have got thousands of pounds saved up to spend on a new car?
Although there may be an interest cost when you take out finance on a car the fact that you can spread the cost of buying a brand new car over several years by using simple affordable monthly payments. There are different types of new car finance available to you.
Traditional finance or Hire Purchase.
This is where you pay a deposit and spread the payments monthly over a set period of time. At the end of the finance plan you own the car. This is more like a bank loan than other forms of finance and is often the most popular form of new car finance.
PCP – Personal Contract Purchase
This form of finance a much more flexible form of car finance that enables the buyer to pay a smaller deposit followed by smaller monthly payments for a fixed amount of time. At the end of the period you either pay off the GFV (guaranteed future value) or give the car back and start on a new plan. This is ideal for those who want a new car more regularly, however you only own the car if you pay the GFV.
