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Your Car... Your Finance... Your Way

Finance Made Easy

We know that buying a car is one of the most expensive purchases you will make, and we understand that choosing the best way to make motoring more affordable can be very confusing. With this in mind, we decided to make the different options available as clear as possible, so you can purchase your next vehicle with confidence! 

Each of our dealerships has a dedicated Business Manager who can talk you through the different options when you are ready to discuss finances, meaning you can work out a payment solution that is tailor made, just for you!

So, what are the options?

Personal Contract Purchase (PCP)

This is the most popular solution for financing your new or used vehicle with a flexible solution. The process begins with your Business Manager calculating the Optional Final Payment for the car you wish to purchase. This is the guaranteed value of your vehicle at the end of the agreement. Once this has been decided we will calculate your monthly payments based on the amount of deposit you have and the current offer interest rates. This means that your monthly payments will be as low as possible based on your affordability, deposit and optional final payment. PCP agreements are typically 12-48 month agreements.

The agreement has three stages - Deposit - Monthly Payments - Optional Final Payment

You may be wondering why the Final Payment is "Optional", well that's because you have 3 options at the end of the agreement!

Option 1

Change your car for a new one!

You can part-exchange your car at any of our dealerships, where the Sales Manager will value your car. If your car is worth more than the Optional Final Payment, you can use the difference as a deposit for your new vehicle. Plus, if you stay with the same brand you will be eligible for the loyalty offers such as extra deposit contribution!

Option 2

Keep the Car

If you would like to keep your car, you can just pay the Optional Final Payment. There are two options here:
- Pay one lump sum
- Re-finance the balance, your Business Manager will help you with this.

Option 3

Give The Car Back

You can simply return the car. If the car is worth more than the Optional Final Payment, the difference is yours. The mileage and condition of the car will be assessed and if you have exceeded the original agreed mileage limit or the car is in need of repairs (other than routine wear and tear), then there may be charges, as the vehicle value would have differed from the original agreement.

Hire Purchase (HP)

This method of finance means you just decide how much deposit you have and the period of time you would like to pay the loan back. During this period, the amount you borrow plus the interest are repaid by fixed monthly payments.

The interest is calculated at the beginning of the agreement and remains fixed for the length of the agreement. This means that the amount you owe isn't affected by any future changes in interest rates.

At the end of the agreement, subject to payment of a nominal option to purchase fee, you take outright ownership of the car.

Contract Hire/Personal Contract Hire

Contract Hire agreements are usually taken out by business customers as the payments are regular and VAT efficient. However, there are Personal Contract Hire solutions too. These options include a deposit which is usually 6 months of your monthly payment upfront followed by regular monthly payments over 12-60 months.

The difference between contract hire and hire purchase is that the contract is fixed and therefore you cannot come out of this early, you must pay the regular payments for the duration of the contract.

Benefits of this method are:
- Road Fund Licence (road tax) is included in your single monthly payment
- You can include maintenance packages within your monthly payment
- If you include a maintenance package, the only outgoings for the driver are insurance and fuel
- No residual value risk
- Low initial outlay
- Hire new or used vehicles

For businesses:
- You can reclaim VAT for up to 50% of your monthly payment and up to 100% on the maintenance element
- Claim Hire Rental Tax allowances
- Additional credit line
- Cash flow benefits

Valuation

What our Customers are saying

Very satisfied. Just wish they had told me that the previous owner was a rental company.

Mr D | 31st July 2018

Ancaster Nissan Bromley

Had a lovely, friendly salesman and manager helped uys with our needs.

Mrs Marilyn Blunden | 9th July 2018

Ancaster Fiat Dartford

Good service, good, helpful, honest advice.

Mrs Rebecca Anderson | 18th June 2018

Ancaster Fiat Catford

Ancaster Nissan South Croydon were really helpful and I'd recommend them because of their excellent service.

Mrs Angela Shaw | 13th June 2018

Ancaster Nissan South Croydon

My experience at Ancaster Fiat Catford was memorable because sales person who dealt with me was very friendly and cared about my needs. She open and honest and knew her stuff about the cars.

Miss P | 11th June 2018

Ancaster Fiat Catford

My experience at Ancaster Nissan Penge was positive because the staff are friendly, caring and not pushy. We would have bought from them if they had the stock of vehicle we were looking to buy,

Mr T | 11th June 2018

Ancaster Nissan Penge

I was happy with the service at Ancaster Nissan Penge because the service was great , Louise the car sales person was amazing fully understanding off the car needs and and very helpful throughout the process off purchasing my new car as will as exchanging my old car, also when ever i visited the branch in penge , he would always be welcoming . and attend to any off my question,he would also attend to me when he would have other customer there to . very good sales person kind regards samir patel

Mr Samir Patel | 11th June 2018

Ancaster Nissan Penge

The attention and service I had was exceptional.

Mr Joaquim Fernandez | 11th June 2018

Ancaster Nissan Penge

I'd recommend Ancaster Nissan Shepperton to anyone because they don't force a purchase and they listen carefully our points helping us choose the best vehicle

Mr Rossi | 7th June 2018

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan Bromley because damian was really good and was very knowledgeable

Mrs Claire Jordon | 7th June 2018

Ancaster Nissan Bromley

'I had a really good experience, Gary was a really down to earth and helpful guy. He's a really good salesman'.

Miss Julianne Stenech | 7th June 2018

Ancaster Nissan South Croydon

They were very helpful, supportive and friendly.

Mrs Rita Linton | 4th June 2018

Ancaster Nissan Penge

Good, friendly service.

Mr John Trott | 4th June 2018

Ancaster Nissan Bromley

Ancaster Nissan Slough were fantastic because they helped me pick and choose the perfect car for me and the salesman knew exactly what he was talking about and never pressured me into anything that I didn't want.

Mr Gary Bumpus | 30th May 2018

Ancaster Nissan Slough

Ancaster Fiat Dartford were really helpful and I'd recommend them I found just what I wanted quickly and the salesman was very helpful and attentive, I love my car

Miss Georgina Harris | 24th May 2018

Ancaster Fiat Dartford

A very nice man looked after us and was very polite

Mrs Ann Lorraine | 24th May 2018

Ancaster Nissan South Croydon

I had a great experience at Ancaster Nissan Penge because the salesman Alan Whent was very good I had dealt with him before with my last car and it was good to have some continuity of service and excellent advice especially for an older person I felt comfortable and well looked after.

Mrs Maureen Downs | 23rd May 2018

Ancaster Nissan Penge

Ancaster Fiat Shepperton staff were good because very helpful friendly and explained every detail in simple terms.

Mrs W | 22nd May 2018

Ancaster Fiat Shepperton

Ancaster Nissan Shepperton were ok due to the sales person and site. However... I failed to notice damage on the rear bumper until i got home after hand over. I then called and left a message for the sales person. He was off the following day so i took the vehicle back the next day. I was told that they would have noticed the damage of it was there so they couldn't do anything. Basically.... i wasn't telling the truth. I was not happy with this. Also, the sales team do not know enough about the product. As in the practical side of the vehicle. Advising on apps. Charging stations when out and about etc etc... I bought a nearly new Leaf and tried setting up a you + Nissan account but couldn't. The sales team only had one person that knew what i needed to do. I feel that more training on the practical use of the vehicle to adequately advise.

Mr Dan Higgs | 22nd May 2018

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan Slough to anyone because they understand what you want and deliver

Mr Richard Hussey | 21st May 2018

Ancaster Nissan Slough

I'd suggest Ancaster Hyundai Croydon to a friend because of the professionalism and knowledge of the staff, namely Arthur who was very good at his job.

Miss Renata S | 21st May 2018

Ancaster Hyundai Croydon

I had a great experience at Ancaster Fiat Dartford because personal service and time devoted by the salesperson.

Mr William Motley | 21st May 2018

Ancaster Fiat Dartford

The experience at Ancaster Hyundai Croydon was good because the people were professional and caring throughout the process

Mr Edward Collins | 21st May 2018

Ancaster Hyundai Croydon

I'd definitely recommend Ancaster Nissan Shepperton because Ali was very helpful . You can publish this but not using my ful name

Mrs Lesley-Anne Bartosik | 21st May 2018

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan Penge to anyone because they have always given me good service and honest opinions.

Mr Harris | 21st May 2018

Ancaster Nissan Penge

My experience at Ancaster Nissan Slough was positive because no pressure, just test drive and provide literature

Mr Richard Ibbotson | 21st May 2018

Ancaster Nissan Slough

I'd recommend Ancaster Nissan Slough to anyone because they were great. I fact my brother bought a car from them after a year

Miss Preeti Padia | 21st May 2018

Ancaster Nissan Slough

My experience at Ancaster Nissan Penge was positive because the members are all very friendly and profesional. I called to book an appointment and they had one for me the very next day. It didint take long to fill in application.

Lady Vida Matazinskiene | 21st May 2018

Ancaster Nissan Penge

The staff at Ancaster Nissan Bromley were good because very helpful

Mrs Lorna Jeal | 21st May 2018

Ancaster Nissan Bromley

I'd definitely recommend Ancaster Nissan South Croydon to friends and family because the service was excellent and the staff very friendly and professional

Mr Donald Wong | 18th May 2018

Ancaster Nissan South Croydon

View all testimonials

Our Locations

As one of the largest and longest established dealer groups in the South East, Ancaster offer great deals on used cars, new cars, car servicing and motability cars in 13 dealerships at 9 different locations of modern, fully equipped, dealerships in Bromley, Catford, Croydon, Dartford, Penge, Shepperton, Slough and Welling. Find your nearest dealership by entering your postcode below.

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