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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

My experience at Ancaster Nissan Shepperton was positive because good deals

I'd recommend Ancaster Nissan Bromley to a friend because the salesman was extremely knowledgeable and wasn't pushy. I was very impressed with the efficiency of the dealership.

Ancaster Nissan Bromley were great because the level of service was overall pretty good, Quite disappointed that the promised MOT was not present and the previous owner was a smoker, which after the valeting smell wore off, the smell of smoke was & is evident in the vehicle. I have had to return the vehicle for new MOT and Air-con bomb to put through system. Feel really quite let down by this. If I had realized this vehicle was previously owned by a smoker, I would not have purchased it

My experience at Ancaster Nissan Eltham was positive because of the hospitality / of staff; honesty; dedication & humility & cleanthyness of their environment.

Ancaster Nissan South Croydon were fantastic because they listened to my needs, answered all my questions and have supported my transition to elecric car driving.

I had a great experience at Ancaster Fiat Dartford because saw the car on line at Ancaster website and the car was for sale at Dartford so I rang up about it. It is a bit far to travel I would recommend one nearer

Ancaster Nissan Bromley were great because staff are friendly and very welcoming

Ancaster Nissan Slough were fantastic because Kieron and Lenny were amazing. Every interaction with them was personable, polite and they did everything they could to get a deal to suite our needs. From first visit to our last they were fantastic and I would be surprised if I were to go elsewhere for future purchases because of them. A credit to the company and to the particular depot.

The staff at Ancaster Hyundai Croydon were good because I wanted to test drive a car, prior to purchase and William Miller worked hard to fit it in, around my tight schedule. Pleasant and genuine salesperson.

I'd endorse Ancaster Nissan Bromley becauseSALESMAN CHRIS COOK VERY PROFESSIONAL PLEASANT AND KNOWLEDGABLE GOOD SERVICE AS ALWAYS

Ancaster Nissan Penge were fantastic because I did not think I would drive away with a car. The Sales person Alan was professional, efficient and approachable. I have, had a smile on my face ever since I bought my new car.

I'd suggest Ancaster Fiat Catford to a friend because our experience of the sales team is that they are a fair and trustworthy group of individuals who want to give their customers the best deal possible. I'd definitely go back again.

My experience at Ancaster Nissan Shepperton was cracking because it’s my local dealer and have had only good experiences in the past. Would recommend them.

I'd suggest Ancaster Nissan Shepperton to a friend because THE PERSONAL CUSTOMER SERVICE IS SO GOOD

My experience at Ancaster Nissan Penge was memorable because Showed me all about the car

I'd recommend Ancaster Fiat Catford to anyone because although at first it looked like Ancaster would not be able to obtain the car for me at the right price and I would end up going elsewhere,Anita carried on politely showing me the car, taking me for a test drive and over the next day secured a car at the right price. She actually showed some professionalism, and I felt I was valued as a customer.

The experience at Ancaster Nissan Eltham was fantastic because from start to finish I was treated like an individual, not as just another customer.The sales man was extremely helpful and an excellent ambassador for Ancastor. The vehicle was PDI to a very high standard. I would highly recommend your garage to friends and family. Thank you and keep up the great service.

Ancaster Hyundai Croydon were friendly

The experience at Ancaster Nissan South Croydon was great because They are friendly Cooperative

I'd recommend Ancaster Nissan Shepperton because they have a friendly and knowledgeable people to deal with enquiries.

Ancaster Nissan Bromley were fantastic because Had a number of new cars from Ancaster over the years build quality good, reliable with ongoing service excellent, professional customer service throughout the time I've had the cars gives me great confidence

Ancaster Nissan Bromley staff were good because they are professionals

I'd recommend Ancaster Nissan Slough to anyone because of my personal experiences.

The staff at Ancaster Fiat Catford were good because of Anita she is amazing and goes above and beyond for you always makes you feel welcome and is just a great all round person they should feel extremely lucky to have her as part of their team.

I'd endorse Ancaster Fiat Catford because they were honest and appreciated honesty in return.

I'd definitely recommend Ancaster Fiat Dartford because the sales team are extremely helpfu, knowledgeablel and dedicated to customer care and satisfaction.

Ancaster Nissan Slough were fantastic because very professional and made the whole prosese of getting the car very simple and easy

I'd recommend Ancaster Hyundai Croydon because of the friendly vibe and spacious feel. The staff were patient and knowledgeable. We felt very relaxed with the atmosphere. Also its child friendly for families.

The staff at Ancaster Nissan Bromley were good because they are totally professional, listen to your request and try hard to fulfill it in every way.

Ancaster Nissan South Croydon were great because of friendly service.

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