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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

Ancaster Nissan Penge were really helpful and I'd recommend them because they were professional, helpful and seemed honest. Since my purchase a relative has also purchased a car from the same branch.

Mrs Nadine Robinson | 13th April 2019

Ancaster Nissan Penge

The experience at Ancaster Nissan South Croydon was great because all was so quick and without any problems!

Mr Radoslaw Pilarski | 13th April 2019

Ancaster Nissan South Croydon

The staff at Ancaster Nissan Penge were good because the Alan and co were great I felt like I had won first Prize fantastic people thanks so much guys

Ms Elaine Walker | 12th April 2019

Ancaster Nissan Penge

I'd definitely recommend Ancaster Fiat Dartford because everything was explained,and salesman was not pushy..pleased with my car.

Mrs H | 12th April 2019

Ancaster Fiat Dartford

I'd definitely recommend Ancaster Nissan Shepperton because the experience from start to finish was great

Ms Carole C | 12th April 2019

Ancaster Nissan Shepperton

The staff at Ancaster Nissan Penge were good because they were courteous, friendly and very professional and I felt they valued my custom.

Mr Linzey | 12th April 2019

Ancaster Nissan Penge

I'd definitely recommend Ancaster Nissan Bromley to friends and family because they are knowledgable, friendly and helpful.

Mrs Kim Robinson | 12th April 2019

Ancaster Nissan Bromley

I'd recommend Ancaster Hyundai Croydon because I got looked after from the very first day I searched the car online. Very customer focus and friendly staff. I had a phone call from Archie one of the sales team the very next day and kept me updated with all my enquiries and did not put me in any under pressure but help me to get the best price instead. Archie is very professional with good personality. I am enjoying my car all nearly new in good condition and still under warranty.

Ms Gracia Pedro | 12th April 2019

Ancaster Hyundai Croydon

My experience at Ancaster Nissan Bromley was positive because the sales team all appear very knowledgable and are happy to answer any questions

Ms K | 11th April 2019

Ancaster Nissan Bromley

I had a great experience at Ancaster Fiat Dartford because Phil, the mature gentleman who handled the appointment and deal was extremely professional. He provided the exact car I had seen, all relevant information and finance deal. He gave me complete confidence and security in dealing, not only with him, but your dealership. He was impeccable in every way from beginning to end, even setting up the radio and my mobile phone. Phil is an asset to your company and I will definitely recommend to friends and family. Thank you for excellent service.

Mrs Samantha Butler | 11th April 2019

Ancaster Fiat Dartford

I'd suggest Ancaster Nissan Penge to a friend because of the friendly, knowledgeable and professional staff and great reliable cars

Mr Peter Blake | 10th April 2019

Ancaster Nissan Penge

My experience at Ancaster Nissan Penge was positive because of how I was treated and my wife loved the car so we bought it.

Mr Sharmil Patel | 10th April 2019

Ancaster Nissan Penge

Ancaster Hyundai Croydon were helpful because they were very helpful and not pushy

Mr Hosford | 10th April 2019

Ancaster Hyundai Croydon

The experience at Ancaster Nissan Shepperton was good because they gave me a really good deal and satisfied with what vehicle i got and they really help me patiently until i choose to what car i really like. Many Thanks to Nick and Nikhil.

Mr C | 10th April 2019

Ancaster Nissan Shepperton

I would recommend Ancaster Nissan Slough to friends and family because they're attentive and completely understood what I was looking for and providing a great service in delivering on that.

Mr Moores | 10th April 2019

Ancaster Nissan Slough

Ancaster Nissan South Croydon were fantastic because everything went smoothly and at the right time with no missed deadlines

Mr Stewart Eyers | 10th April 2019

Ancaster Nissan South Croydon

I'd definitely recommend Ancaster Nissan Penge because the whole experience was a positive one. The salesman was very knowledgeable and very helpful

Ms L | 10th April 2019

Ancaster Nissan Penge

The staff at Ancaster Nissan Bromley were good because they understood what we were looking for and managed to find us the perfect car. It was all swift and easy to set up and they were open and communicative throughout the entire process. If we had any questions they were only ever a phone call away and all the staff at that branch were friendly and personable with a lot of jokes and banter. I have recommended them to two friends already. Overall great experience.

Ms Randa Gowiely | 10th April 2019

Ancaster Nissan Bromley

My experience at Ancaster Nissan Penge was very good, especially when collecting my brand new car

Miss Simone John | 10th April 2019

Ancaster Nissan Penge

I'd recommend Ancaster Nissan Eltham because friendly helpful staff in all departments

Mr Jim Harris | 10th April 2019

Ancaster Nissan Eltham

I'd suggest Ancaster Nissan South Croydon to a friend because they always look after me particularly Ed who is excellent at what he does. The cars are also affordable and I was able to part exchange an old vehicle that was proving difficult to get rid of. Overall this branch provides excellent customer services and it be happy to stay with them for the foreseeable future.

Miss Akua Abrefa | 10th April 2019

Ancaster Nissan South Croydon

Ancaster Nissan Penge were really helpful and I'd recommend them because the service politness non pushy and very patient sales is amazing

Mr Gary Young | 9th April 2019

Ancaster Nissan Penge

I'd suggest Ancaster Nissan Bromley to a friend because of the excellent customer service

Mr Ian Cort | 9th April 2019

Ancaster Nissan Bromley

I'd definitely recommend Ancaster Nissan Bromley to friends and family because they were very friendly, not too pushy and answered all the question I had regarding the vehicle. I would recommend speaking to the sales advisor Nathan, who was very professional and happy to help.

Mrs Carol Gibson | 9th April 2019

Ancaster Nissan Bromley

I'd recommend Ancaster Nissan Penge to anyone because staff were very knowledgeable and professional.

Mr Mark Hudson | 9th April 2019

Ancaster Nissan Penge

My experience at Ancaster Nissan Eltham was positive because the salespeople are friendly and answered all my questions. They do their best to find you the best deal. They will bring a car from another setting if you pay a deposit but will try their utmost to find a similar car that would be available sooner. I didn’t feel overly pressured to purchase a vehicle and was happy with the way everything was explained to me. The aftercare has also been very good and I can contact them if I have any queries or issues.

Ms Katie Blewett | 9th April 2019

Ancaster Nissan Eltham

My experience at Ancaster Nissan Shepperton was positive because even after problems occurring, the team were so helpful and made you feel a real connection.

Miss Page Kent | 9th April 2019

Ancaster Nissan Shepperton

I was happy with the service at Ancaster Nissan Shepperton because the staff were very welcoming and very good service overall

Mr Kaine Drury | 9th April 2019

Ancaster Nissan Shepperton

Phil waghorn offered exceptional customer service ..he is a great ambassador for your company and shows a dedication to both your company and the customer that is seldom seen. Phil cares.

Mrs Frances Bacon | 9th April 2019

Ancaster Fiat Dartford

Ancaster Nissan Eltham staff were good because everything was explained thoroughly and they did not rush through the paperwork. Very friendly, cups of tea provided and kept me calm during the test drive. Tom Hickey, Sales Advisor, gave first class explanation of everything I needed to know and set up Sat Nav and phone details for me.

Mrs Christine Galloway | 9th April 2019

Ancaster Nissan Eltham

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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