Part of our service is to help you with financing your purchase. By working alongside the UK's leading financial organisations, we can provide a bespoke answer, whatever the circumstances. In fact, we can save you both time and worry when it comes to arranging the finance.

Our relationships with the country’s main banks and finance institutions gives us access to a wide selection of payment options, which means you can choose the type of package that suits you best.

Apply Online Now

Bentley Continental | Stratford Upon Avon | Warwickshire | B & M Sports & Prestige Cars

HP Explained

PCP Explained

Here are just some of the most popular options:


Personal Contract Purchase (PCP) is an increasingly popular choice for car finance. It offers the best in flexibility at the end of the agreement, together with low, fixed monthly payments.

At the beginning of the agreement your car's guaranteed future value is calculated, based on an agreed mileage and age. This is deferred as a final 'balloon' payment.

With PCP you don't have to commit to buying the car at the outset. You use it for an agreed period of time (24-48 months) and then decide at the end of this period what you would like to do. You have four options:

  1. Buy the car by paying an agreed minimum residual value
  2. Part-exchange the vehicle for another
  3. Sell the vehicle privately (settling the balloon)
  4. Or, subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)

Balanced Payment

A form of lease purchase with greater flexibility as it offers a variable interest rate. With a balanced payment plan you have the opportunity to link the interest you pay to the current interest rate, so you take advantage when rates fall. You own the vehicle once the agreement is completed.

Lease Purchase

Similar to hire purchase for private individuals or for business users. Can be used for fleet funding if your company is not registered for VAT.

Hire Purchase

This is the most common way to purchase a vehicle in the private sector. An initial deposit, usually 10% (depending on status) is paid, which then leaves the remaining balance to be paid in equal monthly instalments for anything between 1 and 5 years.

Contract Hire

Contract hire is ideal for companies who do not wish to have the risk of running their own vehicles. All figures are subject to VAT of which 50% can be reclaimed, or 100% if the vehicle is being used solely for business. The vehicle can be handed back and another chosen after fixed costs have been paid.

Finance Lease

Vehicle use without responsibility of ownership.

We will be happy to discuss any of these options and take care of the finance on your behalf.

Privacy   ©2015 Starkwood Media Group