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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 South Croydon staff were helpful and friendly.

Mrs Tina Lorimer | 11th June 2019

Ancaster Nissan South Croydon

The experience at Ancaster Nissan Shepperton was great because it was clear, understanding of my needs.

Mr Wayne Vincent | 10th June 2019

Ancaster Nissan Shepperton

The experience at Ancaster Fiat Catford was fantastic because the staff were so helpful and knowledgeable.

Mrs Yasmin Winstanley | 10th June 2019

Ancaster Fiat Catford

I'd recommend Ancaster Nissan Penge to a friend because even though I had an issue with the Vehicle after purchase the after sales support was great and did everything possible to resolve the issue.

Mrs McGuire | 10th June 2019

Ancaster Nissan Penge

The experience at Ancaster Nissan Shepperton was good because i was looked after very well and ever thing was explained to me.

Mrs S | 8th June 2019

Ancaster Nissan Shepperton

Ancaster Nissan Shepperton were great because they are very helpful, informative and friendly.

Miss Julie Seaward | 5th June 2019

Ancaster Nissan Shepperton

I'd definitely recommend Ancaster Nissan Eltham because I was made to feel valued and the staff were outstanding, my daughter purchased a new Juke in March also. I must mention the manager Richard. So so helpful. Nothing was too much trouble

Mr Paul Sloan | 5th June 2019

Ancaster Nissan Eltham

Ancaster Nissan South Croydon were great because they were quick in processing all the details necessary for me to drive away in a new car the following weekend.

Mr Frost | 5th June 2019

Ancaster Nissan South Croydon

The experience at Ancaster Nissan Penge was fantastic because I felt valued and there was a personal touch that reassured me and the good customer service

Mr Noel Usuanlele | 4th June 2019

Ancaster Nissan Penge

Ancaster Nissan Bromley were great because Damion was attentive to detail, had the product ready for us to test drive even though we were early and worked with us to help us get what we wanted as apposed to trying to sell us something we didn't want - an experience we had with another car dealer. The car was ready for us to collect on handover and he spent time showing us how everything worked. I would be more than happy to go back and buy another car in the future.

Mrs Susan McAleer | 4th June 2019

Ancaster Nissan Bromley

I was happy with the service at Ancaster Nissan Shepperton because they understood my needs and have proved to be completely trustworthy over time.

Mr Brian Plaskow | 4th June 2019

Ancaster Nissan Shepperton

My experience at Ancaster Nissan Shepperton was memorable because the car I visited the garage for had been sold online so they spent a lot of time looking for a similar car which match my criteria closely.

Mrs Emma Saxby | 4th June 2019

Ancaster Nissan Shepperton

My experience at Ancaster Nissan Bromley was memorable because the staff were very pleasant and were happy to answer any questions regarding all aspects of the sale.

Mr C | 4th June 2019

Ancaster Nissan Bromley

Ancaster Jeep Dartford were helpful but had few issues that could have been explained better.

Mr Robin Parker | 4th June 2019

Ancaster Jeep Dartford

The staff at Ancaster Nissan South Croydon were good because John had explained everything very clearly step by step until I fully understood everything

Miss Megan O'Harney | 4th June 2019

Ancaster Nissan South Croydon

Ancaster Nissan Shepperton were great because Alex Clark was a true professional throughout the whole sales process.

Mr Keith Clark | 4th June 2019

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan Eltham to a friend because of the great choice of vehicles & presentation, friendly & knowledgeable staff & allowing me to browse without interference so it was my choice not a pushy sales person. Thanks Terry & team.

Miss Deborah Holland | 20th May 2019

Ancaster Nissan Eltham

I'd suggest Ancaster Nissan Bromley to a friend because I had a great experience and the sales person was very good.

Ms O | 18th May 2019

Ancaster Nissan Bromley

I'd recommend Ancaster Nissan Bromley because their service/sales people and helpfulness was beyond my expectation. Nothing was too much for them. I went for a used Micra, found one with the help of Damien, then I cheekily asked if they had one in burnt orange, and within 20 minutes they found me one. Now how’s that for service - and with a smile. THANK YOU THANK YOU THANK YOU.

Mrs Janet Hyde | 18th May 2019

Ancaster Nissan Bromley

The experience at Ancaster Hyundai Croydon was great because they were fair and reasonable and were very nice people to deal with.

Miss Beneeta Patel | 17th May 2019

Ancaster Hyundai Croydon

I had a great experience at Ancaster Nissan Penge because from start to finish everything done was very professional, did everything when they said and I am extremely happy with the car.

Mr Graham Hutton | 16th May 2019

Ancaster Nissan Penge

My experience at Ancaster Nissan Shepperton was positive because they went out of their way to help find a car to suit my needs. Everything was well explained in a very friendly & professional manner.

Mrs W | 15th May 2019

Ancaster Nissan Shepperton

I'd recommend Ancaster Nissan Eltham to a friend because I was well taking care off

Mrs Arlette Kouassi | 14th May 2019

Ancaster Nissan Eltham

The experience at Ancaster Nissan Penge was fantastic because from start to finish was perfect.....the salesman Alan could not of been more helpful extremely friendly & welcoming nothing was a problem! Martin assisted me through the finance process making sure I understood everything. I am absolutely delighted with my car and am one very happy customer!!! Could not fault Ancaster Nissan Penge!!!

Ms Lucy Collins-Pleass | 14th May 2019

Ancaster Nissan Penge

My experience at Ancaster Fiat Dartford was positive because it was very professionally dealt with.

Miss C | 14th May 2019

Ancaster Fiat Dartford

I was happy with the service at Ancaster Nissan Penge because Ola my salesman found what I was looking for.

Mrs H | 14th May 2019

Ancaster Nissan Penge

The experience at Ancaster Hyundai Croydon was good because I liked the atmosphere and the staff were polite and efficient and helped me to purchase the car I was interested in

Mrs Sarah Psaila | 14th May 2019

Ancaster Hyundai Croydon

Ancaster Nissan Bromley were really helpful and I'd recommend them because we knew what we wanted and all the questions were answered without hesitation . The experience of buying a new car was fantastic from start to finish.

Mr Jason Hodge | 14th May 2019

Ancaster Nissan Bromley

Ancaster Hyundai Croydon were great because they were not pushy sales people and did everything to complete a purchase to meet my needs

Mr John Carnt | 13th May 2019

Ancaster Hyundai Croydon

The experience at Ancaster Nissan South Croydon was good because the sales person was very professional. He made it very easy to understand and made every effort to ensure that I make the right choice by guiding me through the list of the different models and their prices. Thank you

Mrs Olivia Leanson | 13th May 2019

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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