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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 fantastic we didn't have a agreement but it was fantastic

Mr Codrut Rughinis | 1st December 2018

Ancaster Nissan Penge

Ancaster Nissan South Croydon were fantastic because of the excellent level of service provided by Edward Suarez. He was an exceptional salesman, who gave me all of the information I needed to know, dealt with paperwork efficiently and overall provided great customer service. Couldn't have asked for a better salesman! Thank you

Mrs Touria E | 30th November 2018

Ancaster Nissan South Croydon

I'd definitely recommend Ancaster Hyundai Croydon to friends and family because they are a fantastic team. They not only work hand in hand with each other to get you through the process of buying a car, they are honest and treat you as a valued customer should be treated. Their customer service is phenomenal. They are at your assistance at all times and nothing is too much for them. I also serviced my previous car with them for the last 2 years and have always found their customer service to be 10/10. This prompted me to buy my latest car i30 from them because I knew that the team would guide me safely through it. I trust them and they did not disappointment me. I am rest assured that I will continue to do business with this team for many years to come because having a great car with a great team behind it is a great recipe for a great relationship for the future. Each and every member of the team has their great qualities to give a quality service.

Ms Nikki O | 28th November 2018

Ancaster Hyundai Croydon

The experience at Ancaster Nissan South Croydon was good because it always has been for me.

Mr Robin Wilson | 28th November 2018

Ancaster Nissan South Croydon

Ancaster Nissan Shepperton were great because the staff in general were very friendly and helpful. Our sales person, Renata was very knowledgeable about the cars on offer. He gave excellent service and advice, so thank you.

Mrs Marilyn Bowden | 28th November 2018

Ancaster Nissan Shepperton

I've received first class service from start to finish. Kieron was great and is a credit to your business. He listened to my requirements, took me seriously which some other neighboring showrooms didn't! I couldn't be happier with my Nissan Leaf and will definitely return to Ancaster for my next vehicle!

Mr Philip Shelley | 28th November 2018

Ancaster Nissan Slough

Ancaster Nissan South Croydon were great because of they excellent customer service including sales and service ! Good deal! Very satisfied! Thanks everyone!

Mrs Ildiko Laszloczki | 27th November 2018

Ancaster Nissan South Croydon

Ancaster Nissan Penge were great because they were very professional, friendly, listened to me and found a perfect vehicle that matched all my requirements.

Miss R | 27th November 2018

Ancaster Nissan Penge

My experience at Ancaster Nissan South Croydon was memorable because Joe the salesman and Chris the manager could not of helped any more. Great customer service. Lacking so much at other dealers.

Mr Christopher Hunt | 27th November 2018

Ancaster Nissan South Croydon

I'd recommend Ancaster Nissan Penge because they were helpful and professional

Ms Jane Eardley | 27th November 2018

Ancaster Nissan Penge

I'd recommend Ancaster Nissan Eltham to a friend because they understood what I needed

Mrs Nicola Ogbechie | 26th November 2018

Ancaster Nissan Eltham

The staff at Ancaster Fiat Catford were good because they were very helpful and give you all the information you need to make a decision

Ms Juliana Ahunanya | 26th November 2018

Ancaster Fiat Catford

Ancaster Fiat Dartford were fantastic because very helpful but no pressure

Miss Leyla Emin | 26th November 2018

Ancaster Fiat Dartford

My experience at Ancaster Nissan Shepperton was positive because Paul Dhillon was a fantastic salesman and seemed to really care about us finding the right car and being satisfied with the experience of purchasing it!

Mrs M | 26th November 2018

Ancaster Nissan Shepperton

My experience at Ancaster Nissan Slough was surpassed because of the excellent customer service with a 'no pressure' sales attitude.

Mrs Hall | 26th November 2018

Ancaster Nissan Slough

I'd recommend Ancaster Fiat Catford to anyone because the sales assistant was extremely polite, helpful and generally a nice guy.

Mrs Tina Butler | 26th November 2018

Ancaster Fiat Catford

I'd definitely recommend Ancaster Nissan Eltham because of the friendly service from Desmond and how quickly everything was sorted.

Mr Starkey | 26th November 2018

Ancaster Nissan Eltham

Ancaster Nissan Bromley were good because they were efficient and did what I needed from a car dealership.

Mrs Claire S | 26th November 2018

Ancaster Nissan Bromley

I'd definitely recommend Ancaster Nissan Penge because they offer perfect customer service, excellent product knowledge and nice showrooom

Mrs B | 24th November 2018

Ancaster Nissan Penge

My experience at Ancaster Nissan South Croydon was memorable because of excellent customer service and good deals on purchase!

Mrs Ildiko Laszloczki | 24th November 2018

Ancaster Nissan South Croydon

The experience at Ancaster Nissan Penge was good because they were very helpful, professional and sold me a great car.

Miss R | 23rd November 2018

Ancaster Nissan Penge

Ancaster Hyundai Croydon were really helpful and I'd recommend them because i am very sure you will be feeling very welcome and serve well.

Mr Rizalino Llanos | 22nd November 2018

Ancaster Hyundai Croydon

I'd recommend Ancaster Hyundai Croydon because the staff are very friendly and helpful, we even got a lift home from Liam even though he was going a very different route all because my car had to stay in the garage. They didn't rush my decision and i love the car i bought (i10 se premium). All the staff replied to emails very fast and put up with all of our questions and they all seem to love their jobs!

Miss S | 22nd November 2018

Ancaster Hyundai Croydon

The experience at Ancaster Nissan South Croydon was fantastic because we had Gary Sue as our salesman. He is genuine, knowledgeable and extremely helpful. It was an absolute pleasure for us to have Gary with us through every step of our purchase. Thanks Gary!

Mrs Selena Jackson | 22nd November 2018

Ancaster Nissan South Croydon

The experience at Ancaster Nissan Slough was great because the professional no pressure customer service

Mr Stephen Carpenter | 22nd November 2018

Ancaster Nissan Slough

I'd recommend Ancaster Nissan South Croydon because they value me as their customer regardless, point me into an affordable and informed choice each time I make contact to them . I got driven away from a very close showroom with not many questions asked . As for you I am ever so pleased. ‘excellent customer service ‘!!!!

Mrs Proscovia Kisamba | 22nd November 2018

Ancaster Nissan South Croydon

Ancaster Nissan Bromley were helpful because friendly, someone always there to help.

Mr Bickram Singh | 22nd November 2018

Ancaster Nissan Bromley

I was happy with the service at Ancaster Fiat Catford because Anita the salesperson was fantastic. She delivered everything that was expected of her and more. I love my new car!

Mrs Joanna Ruler | 22nd November 2018

Ancaster Fiat Catford

I was happy with the service at Ancaster Hyundai Croydon because I received friendly and courteous service.

Mr Ian Brown | 21st November 2018

Ancaster Hyundai Croydon

Ancaster Fiat Catford were really helpful and I'd recommend them because they provide a good service.

Mrs Yvette Sheaf | 21st November 2018

Ancaster Fiat Catford

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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