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Finance Details

About Ancaster

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

We value customer feedback

Ancaster Nissan South Croydon staff were good because they were pleasant and explained all the procedures clearly. I have dealt with the dealership for many years.

Ancaster Hyundai Croydon provided excellent sales support and I would highly recommend them.

Ancaster Nissan Slough were great because the cars offer value for money, good spec and good after sales follow up considering tight restrictions of lockdown.

My experience at Ancaster Fiat Dartford was memorable because throughout the whole process i could not fault the communication.The only thing was that now and again the conversation was directed to my partner not to me he was paying for the car but it was for me.Other than that all we as should be.

Ancaster Hyundai Croydon were really helpful and I'd recommend them because every aspect of the purchase was clear, easy and a great service! The sales advisor was excellent and answered every query to a satisfactory level.

Ancaster Nissan Shepperton were helpful because the sales personnel were really professional and helpful especially Matthew

I'd definitely recommend Ancaster Fiat Catford because they were accommodating and worked out a good part exchange option for me.

The experience at Ancaster Hyundai Croydon was good because from start to finish I was treated with curtesy and friendliness. Everything was explained in detail and I found it an enjoyable experience.

The experience at Ancaster Fiat Dartford was great because the salesman communicated with me by phone or email every step of the way and sorted out any issues promptly and courteously. I also appreciated the extra touches like the video presentation of my car, the offer to tune the radio to my choice of stations, and the offer to talk me through controls etc as soon as the car had been delivered to me. The car delivery service was a big bonus as I live some distance from the dealer and tier restrictions were in place. Considering I did not in the end visit the dealer and bought the car unseen, I could not be happier with the outcome.

My experience at Ancaster Fiat Dartford was positive because Michael Rees was professional and helpful and made the sale simple and easy for us. Very happy!

I had a great experience at Ancaster Nissan Bromley because the staff were so friendly and helpful. Nathan seemed like a natural and comfortable person to chat to and wasn't pushy in the slightest. Since dealing with him I have given his name over to my neighbours who have already visited for a test drive and a friend of ours is also planning on paying him a visit. He was very helpful and down to earth and we are very pleased with our new car thanks to him. Although our experience with the Eltham branch was positive, unfortunately there wasn't much they could do in terms of a deal on the car we liked so we tried the Bromley branch, met Nathan and he was more accommodating to our requirements and budget. This is why I have recommended him to people and will continue to do so.

I was pleased with Ancaster Nissan Penge and would recommend them because the new manager Jeffery was amazing and sorted out the problem I had with the previous team Jeff and Darren have turned the showroom around great team now there ,if it was not for them I would not of gone back there ,they went beyound in sorting out the problem and were very helpful in sorting out the problem GREAT GUYS

I'd definitely recommend Ancaster Fiat Catford because they are very easy to deal with, professional and courteous staff, reliable vehicles .

Ancaster Nissan Shepperton staff were good because good sales skills and make sure the vehicle in excellent condition before hand over to you.

I'd recommend Ancaster Nissan Bromley to a friend because they treated me as an individual.1

I'd definitely recommend Ancaster Nissan Shepperton to friends and family because of excellent service from Matthew and a very clean car both inside and outside.

My experience at Ancaster Nissan Eltham was cracking because they are very professional

I would recommend Ancaster Nissan Bromley to friends and family because I know I can go back to them if I have any questions or problems

Ancaster Nissan Penge were great because I have dealt with them many times before and bought 3 vehicles there. I am profoundly deaf and have always found this no problem at Ancaster Nissan Penge. I would like to name 2 members of staff who have always given me exceptional service: Mr Steve Riches and |Mr Alan Whent. Why go elsewhere when I am more than satisfied with Ancaster Nissan Penge.

I'd recommend Ancaster Fiat Catford to anyone because the staff were wonderful and went the extra mile for me

The staff at Ancaster Hyundai Croydon were good because THEY TAKE THE CUSTOMER AS A PERSON NOT JUST MONEY IN THEIR POCKET; personal service throughout this and personal transactions Sales Manager and her staff very commendable in their knowledge of the vehicle. finance plans, future service plans that were available. Date of collection All documentation was ready for signing virtual tour of the vehicle and the offer of any further assistance. FIRST CLASS SERVICE through out and you were treated as a customer with a personal welcome displayed on collection

My experience at Ancaster Nissan Eltham was memorable because the staff I came in contact with all went above and beyond my expectations.

Ancaster Nissan South Croydon were really helpful and I'd recommend them because I found them to go beyond their job.

Ancaster Fiat Dartford were really helpful when discussing different car options and whether to get a used or new car. They were patient and explained everything to me clearly as well as all the finance options. They were also really friendly and did not put any pressure on me, being a young first time buyer.

The experience at Ancaster Nissan Eltham was great because it was easy, quick and efficient

Ancaster Hyundai Croydon were great because they were very patient and considerate with my new vehicle as it was my first vehicle. I would only say that I was slightly disappointed a simple mechanical fault, that I noticed straightaway had not been checked before the purchase and handover of the vehicle. I would have expected something like this would have been checked and picked up on especially as it was not a problem that developed but one that was there from the start.

I would recommend Ancaster Nissan Slough to friends and family because the staff are very friendly and helpful. I felt that Ancaster were honest were making sure I had the right car and plan for my needs and not just trying to meet targets. It was a breath of fresh air and very different experience then the car salesman I have dealt with in the past.

Ancaster Nissan Penge staff were good because they explained things very well leaving no stone unturned

I'd suggest Ancaster Fiat Catford to a friend because Fiat is a good and strong car

Ancaster Fiat Dartford were helpful because vehicle presentation was excellent and transaction was addressed in an relaxed and friendly manner