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

Ancaster Fiat Shepperton were helpful because they are friendly and have good customer service

Miss Rebecca Ewing | 18th February 2018

Ancaster Fiat Shepperton

Ancaster Nissan Slough staff were good because I have dealt with them for years . Always to my satisfaction.

Mr Benjamin Waddington | 17th February 2018

Ancaster Nissan Slough

I was happy with the service at Ancaster Nissan Penge because the staff were very professional, attentive and friendly.

Mrs Gloria E | 16th February 2018

Ancaster Nissan Penge

I'd recommend Ancaster Hyundai Croydon to anyone because the customet service was really good.

Miss Katie H | 16th February 2018

Ancaster Hyundai Croydon

I'd recommend Ancaster Nissan Bromley because all staff and mangement made you feel welcome and comfortable in all aspects

Mrs Norma Collett | 16th February 2018

Ancaster Nissan Bromley

I was pleased with the sales team atAncaster Nissan Eltham and would recommend them because they were helpful and answered all my questions both before, during and after the sale however the car was sold with a fault and my experience with the service department was not as positive.

Ms Rabbette | 16th February 2018

Ancaster Nissan Eltham

I'd endorse Ancaster Nissan Bromley because the staff was very curtains and pleasant and helpful

Mr Gordon Cope | 16th February 2018

Ancaster Nissan Bromley

Ancaster Nissan South Croydon were great because the staff were very friendly and went through the options avaliable to us. We had a test drive in the car and any questions we had were answered. Lastly, when we were going through the finances, everything was explained, so we knew what the payments were and what was included in them.

Mr John Donovan | 16th February 2018

Ancaster Nissan South Croydon

My experience at Ancaster Fiat Dartford was positive because your sales man Phil was very helpful

Mrs B | 15th February 2018

Ancaster Fiat Dartford

I had a great experience at Ancaster Nissan Penge because for more than 16 years I have had excellent service from them.

Mr John Galgut | 14th February 2018

Ancaster Nissan Penge

I'd definitely recommend Ancaster Nissan South Croydon because the staff were very friendly and the showrooms are excellent.

Mr G | 14th February 2018

Ancaster Nissan South Croydon

My experience at Ancaster Nissan South Croydon was positive because easily accessible with most models available.

Mr Peter Turvey | 14th February 2018

Ancaster Nissan South Croydon

I'd recommend Ancaster Nissan Slough to anyone because the whole experience of buying a car was quick and easy

Mrs Tracey Mayling | 14th February 2018

Ancaster Nissan Slough

Ancaster Fiat Catford were great because they give friendly helpful service, but unable to contact the branch directly due to a main switch board system

Mr Mark Barrett | 14th February 2018

Ancaster Fiat Catford

Ancaster Nissan Eltham staff were good because they make sure you are happy with everything and if your not they do there up most to put things right always very polite and your made to feel very welcome

Mrs Maxine Brown | 14th February 2018

Ancaster Nissan Eltham

My experience at Ancaster Nissan Slough was cracking because I was satisfied with the whole experience

Mr Michael Dewey | 14th February 2018

Ancaster Nissan Slough

I'd endorse Ancaster Fiat Dartford because I was very happy with the whole experience. Special not to Fizz. He was great

Mrs Candice McAlpine | 14th February 2018

Ancaster Fiat Dartford

I'd recommend Ancaster Fiat Shepperton to a friend because helpful friendly welcoming staff, plenty of stock

Mrs Susan Seath | 14th February 2018

Ancaster Fiat Shepperton

The experience at Ancaster Nissan Penge was good because THE SALESMAN WAS VERYGOODAND WENT OUT OF HIS WAY TO HELP ME

Mr Alan Davey | 14th February 2018

Ancaster Nissan Penge

The staff at Ancaster Nissan Slough were good because they were very helpful and professional.

Mr Craig Stead | 14th February 2018

Ancaster Nissan Slough

I'd recommend Ancaster Nissan South Croydon to a friend because they were friendly and helpful

Miss Gwen Russell | 14th February 2018

Ancaster Nissan South Croydon

I would recommend Ancaster Nissan Eltham to friends and family because staff are friendly and they explains everything from vehicle to finance.

Mr Rajan Pradhan | 13th February 2018

Ancaster Nissan Eltham

I'd recommend Ancaster Nissan South Croydon to anyone because, they are accommodating and offer anything to make you comfortable. Sales manager was very helpful despite of it was VIP event, he entertain anyone pops in the door.

Mrs Gemma Espino | 13th February 2018

Ancaster Nissan South Croydon

I'd recommend Ancaster Nissan Shepperton because they are very efficient and helpful. That includes all staff and the shop floor to the management.

Mr Ray Fields | 13th February 2018

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan South Croydon to anyone because the staff are very friendly and they went out of their way to help throughout the purchase of my car

Miss Daisy Anderson | 13th February 2018

Ancaster Nissan South Croydon

useful as the nearest local Nissan dealer. We left before the salesman was able to talk to us but we had seen enough to realise the model was not suitable.

Mrs S | 13th February 2018

Ancaster Nissan Shepperton

Ancaster Nissan Eltham were really helpful and I'd recommend them because the staffs are helpful, polite and the service is near me.

Mrs Royer Rezaee | 13th February 2018

Ancaster Nissan Eltham

I'd recommend Ancaster Fiat Dartford to a friend because the same people has moved to Dartford and the service I had was very good

Stephen Turner | 13th February 2018

Ancaster Fiat Dartford

I was pleased with Ancaster Nissan Bromley and would recommend them because the attitude and feeling in the showroom was awesome. Chris cook went above and beyond in our eyes. My farther in-law is looking to trade his Nissan juke in now.

Mr Ashley Cheeseman | 13th February 2018

Ancaster Nissan Bromley

I would recommend Ancaster Nissan Bromley to friends and family because they've been promt throughout the years. We always had our car serviced here. We've visited recently for a new car and We've been very well looked after: seen in good time, great answers to our questions. Easy to approach staff. Great experience

Mrs R | 13th February 2018

Ancaster Nissan Bromley

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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, Eltham, Penge, Shepperton, Slough and Dartford. Find your nearest dealership by entering your postcode below.

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