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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

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.

Mr Rye | 11th October 2019

Ancaster Hyundai Croydon

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.

Miss Loist Robinson | 8th October 2019

Ancaster Nissan Bromley

Ancaster Nissan South Croydon were great because of friendly service.

Mr Raja Habib | 5th October 2019

Ancaster Nissan South Croydon

The experience at Ancaster Nissan South Croydon was great because i got the car i wanted and the salesperson was very helpful

Mrs Anne Grant | 5th October 2019

Ancaster Nissan South Croydon

I'd suggest Ancaster Nissan Slough to a friend because the service was excellent

Mrs Pope | 5th October 2019

Ancaster Nissan Slough

Ancaster Nissan Shepperton are our local Nissan dealer and have top quality cars and I have bought my last two from them. I will be back again at sometime in the future.

Mr Ronald Bathurst | 3rd October 2019

Ancaster Nissan Shepperton

Great service all round but unfortunately some promises made at time of Negociation were not honoured. Saying yes yes yes to things and “I’ll speak to my manager” without any follow up wasn’t given. After purchase I was informed that these “sweeteners” were not honoured. A little frustrating and a sour note following an otherwise great experience.

Mr Michael Bond | 3rd October 2019

Ancaster Nissan Penge

I had a great experience at Ancaster Nissan Bromley because the sales person Nathan was warm and welcoming and had a great experience. I enjoyed a Nice cup of hot chocolate too!

Miss Gertrude Bwona | 2nd October 2019

Ancaster Nissan Bromley

My experience at Ancaster Hyundai Croydon was cracking because the staff were very helpful and we got to a deal we were satisfied with.

Mr G | 2nd October 2019

Ancaster Hyundai Croydon

The experience at Ancaster Nissan Shepperton was good because the whole experience was pleasant from start to finish. Staff are friendly, knowledgeable and professional.

Mr Clive Cheney | 2nd October 2019

Ancaster Nissan Shepperton

Ancaster Nissan South Croydon were helpful because they talked everything though with us and were very happy with our car.

Mrs Susan Moult | 2nd October 2019

Ancaster Nissan South Croydon

I would recommend Ancaster Nissan Shepperton to friends and family because of the service I s second to none.

Mr Andrew Bailey | 2nd October 2019

Ancaster Nissan Shepperton

I was pleased with Ancaster Nissan Shepperton and would recommend them because there friendliness and professionalism was outstanding Our sales person David went out of his way to give that extra thought to what we wanted and found us an amazing car which we love

Mrs Margaret Dean | 2nd October 2019

Ancaster Nissan Shepperton

My experience at Ancaster Nissan Penge was cracking because of efficient, knowledgeable and friendly service

Mr M | 2nd October 2019

Ancaster Nissan Penge

Ancaster Nissan Shepperton were great because they took the time to work with me to get the best car for my needs and helped me with finance. A really positive experience from David Taylor and Syed. Thank you

Mrs Sarah Mangan | 2nd October 2019

Ancaster Nissan Shepperton

The experience at Ancaster Fiat Dartford was great because I found the sales man not to be pushy and he had a great rapport with teenagers as I was buying my first car I was warned about pushy salesman and obviously knowing nothing much about cars I took my Mum for support - my Mum said the experience was much better than she anticipated. She said she wished all car salesmen had the Ancaster Attitude!

Miss H | 2nd October 2019

Ancaster Fiat Dartford

My experience at Ancaster Nissan Bromley was positive because everything was seamless and friendly especially James and Max and I received my new car within a week! Couldn’t ask for more.

Miss Lisa Hopper | 2nd October 2019

Ancaster Nissan Bromley

I'd endorse Ancaster Fiat Dartford because they were helpful, patient, i didnt feel rushed or pushed into anything. Very happy

Mrs Denise Creed | 2nd October 2019

Ancaster Fiat Dartford

My experience at Ancaster Fiat Catford was positive because the staff was very reassuring I got want I wanted and that was a new car, they catered adequately for my needs and requirements, I am so grateful. Anita is the best Sales Executive you can have.

Miss Sandra Smith | 2nd October 2019

Ancaster Fiat Catford

I was happy with the service at Ancaster Hyundai Croydon because they dealt with me quickly and politely without heavy sales pressure.

Mr L | 2nd October 2019

Ancaster Hyundai Croydon

Ancaster Abarth Catford staff were good because they do their best to get what you want at the price you want!!!

Mrs Evelyn Okuoma | 2nd October 2019

Ancaster Abarth Catford

I'd suggest Ancaster Nissan Shepperton to a friend because thei are really friendly and professional making you confortable while you are in their office.

Mrs Grazia Vurro | 2nd October 2019

Ancaster Nissan Shepperton

The experience at Ancaster Hyundai Croydon was good because knowledgeable staff and well presented cars

Mr Edgar Gillespie | 29th September 2019

Ancaster Hyundai Croydon

When wanting to purchase the vehicle I thought it was excessive to wait 3 hours to speak with the senior sales person, which meant a lot of paperwork that should have been dealt with on that visit was not done so had to be done respectively.

Mrs H | 28th September 2019

Ancaster Nissan South Croydon

Ancaster Nissan South Croydon were great because customer service was number one and the coffee was good

Mr David Rankine | 28th September 2019

Ancaster Nissan South Croydon

My experience at Ancaster Nissan Bromley was positive because staff was very polite and professional and i am very happy with my service

Miss Kadian Winkle | 27th September 2019

Ancaster Nissan Bromley

I was happy with the service at Ancaster Nissan Shepperton because the sales man called David was lovely and really helpful and patient with me as this is only my second car he explained everything to me and was very helpful with the hole process would definitely recommend to anyone

Miss Jessica Cooper | 27th September 2019

Ancaster Nissan Shepperton

Ancaster Nissan Shepperton were great because from the moment I stepped inside I had 100% attention from the sales assistant. Car was delivered on time.

Mr William Curr | 27th September 2019

Ancaster Nissan Shepperton

The experience at Ancaster Nissan Slough was fantastic because Zaman was down to earth, not pushy, know his spec of car and a genuine guy!

Miss Rebecca Sullivan | 27th September 2019

Ancaster Nissan Slough

I'd recommend Ancaster Nissan Penge to a friend because we were welcomed back by the same guy who had looked after us six years ago! We were looked after well once again

Mr N | 27th September 2019

Ancaster Nissan Penge

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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