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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

The experience at Ancaster Nissan Slough was great because the staff were very friendly and helpfull. excellent service. thank you

Mrs Stratford | 13th August 2019

Ancaster Nissan Slough

My experience at Ancaster Fiat Catford was cracking because we were given such a good service

Mrs Theresa Marsh | 6th August 2019

Ancaster Fiat Catford

Ancaster Hyundai Croydon staff were good because they worked hard to make the right deal for me and the purchase and car collection were easy.

Mr John Carnt | 3rd August 2019

Ancaster Hyundai Croydon

I'd endorse Ancaster Hyundai Croydon because the experience I had was second to none, had a great experience with my sales man Liam he was so helpful and very friendly and polite.

Sally Anne Porter | 3rd August 2019

Ancaster Hyundai Croydon

The experience at Ancaster Nissan Penge was good because the sales person was friendly, patient & professional.

Mrs Bennett | 28th July 2019

Ancaster Nissan Penge

I'd endorse Ancaster Nissan Eltham because they was very professional. Helped me choose which car would be reliable and suitable for my needs

Miss Paige Tidman | 25th July 2019

Ancaster Nissan Eltham

I'd definitely recommend Ancaster Nissan Eltham to friends and family because they are a professional and friendly team Very knowledgeable and attentive Desmond is a very lovely person very professional helpful knowledgeable patient pleasant honestly am just lost for words about the experience and service we received from Desmond I would definitely recommend Ethan branch and I would recommend friends and family to be served by this gentleman

Mrs Rita Joseph | 25th July 2019

Ancaster Nissan Eltham

I'd definitely recommend Ancaster Hyundai Croydon because the staff were very amenable,

Mr Randoll Forbes | 24th July 2019

Ancaster Hyundai Croydon

The experience at Ancaster was fantastic. Never had such a good experience in a car showroom. Was looked after every step of the way. And Alan at Penge is all you want in a car salesman. I cant ever see me changing .

Ms Lynn Mullings | 22nd July 2019

Ancaster Nissan Penge

Ancaster Fiat Catford were great because of the service and understanding

Mr Andrew Hobbs | 22nd July 2019

Ancaster Fiat Catford

My experience at Ancaster Fiat Catford was positive because the ware Honest and very help full and friendly great team

Miss Jacqueline Boorman | 21st July 2019

Ancaster Fiat Catford

The staff at Ancaster Nissan Slough were good because they make everything so stress free

Mr Gowing | 20th July 2019

Ancaster Nissan Slough

I'd recommend Ancaster Fiat Catford to a friend because the service I received from Anita was super

Miss Mason | 20th July 2019

Ancaster Fiat Catford

Ancaster Nissan Shepperton were helpful because they try to understand your requirements and avoid pressurizing.

Mr P | 20th July 2019

Ancaster Nissan Shepperton

The staff at Ancaster Nissan Bromley were good they were patient

Mr Davies | 20th July 2019

Ancaster Nissan Bromley

I'd definitely recommend Ancaster Nissan Slough because customer service is top notch, very patient and welcoming. Good experience with Zaman and Paul.

Miss Faith Matambanashe | 20th July 2019

Ancaster Nissan Slough

I'd endorse Ancaster Nissan Slough because the service was great and i think the cars are good value for money

Miss R | 19th July 2019

Ancaster Nissan Slough

My experience at Ancaster Nissan Eltham was positive because they are professional and they are always there for us as a dealer as a service station as well.

Ms Annamaria Kazinczy | 19th July 2019

Ancaster Nissan Eltham

I'd suggest Ancaster Nissan Penge to a friend because the sales man was extremely patient, friendly & professional. I originally wanted a Juke, but the sales person explained how I would be better suited to a smaller vehicle especially financially.

Mrs Michelle Bennett | 19th July 2019

Ancaster Nissan Penge

I was pleased with Ancaster Nissan Shepperton and would recommend them because they were not too pushy.

Mrs Elisabeth Yelloly | 19th July 2019

Ancaster Nissan Shepperton

I was pleased with Ancaster Nissan Bromley and would recommend them because they offer good customer service and a great range of cars

Mrs Elizabeth Murphy | 19th July 2019

Ancaster Nissan Bromley

The experience at Ancaster Nissan Shepperton was fantastic because they found a solution that worked really well for me. The vehicle I eventually purchased was very good value and perfect for my needs.

Mrs Sonia Druce | 19th July 2019

Ancaster Nissan Shepperton

I'd endorse Ancaster Nissan Shepperton because we had a good experience

Mr C | 19th July 2019

Ancaster Nissan Shepperton

I would recommend Ancaster Nissan Penge to friends and family because team were very efficient and explained anything that was"nt clear .

Mr William Walker | 19th July 2019

Ancaster Nissan Penge

I'd definitely recommend Ancaster Nissan Eltham to friends and family because I had a great experience and the team was super friendly and happy to accommodate my needs.

Ms Cristina Darski | 19th July 2019

Ancaster Nissan Eltham

Ancaster Fiat Dartford were great because the salesperson Sonny was amazing. He made me feel comfortable, he was s pleasure to deal with and nothing was too much trouble. He talked through everything, he was knowledgeable and professional. The best experience I've had when buying a car. The whole team are lovely. A bright , happy environment. Thankyou

Miss Maggie Tulip | 19th July 2019

Ancaster Fiat Dartford

My experience at Ancaster Nissan Bromley was cracking because they had time for me and everything went according to plan, no pressure.

Mr Derek Roberton | 18th July 2019

Ancaster Nissan Bromley

I was happy with the service at Ancaster Fiat Catford because staff were very knowledgeable and helpful

Mrs Tracy Hogg | 18th July 2019

Ancaster Fiat Catford

all round good way and place to buy a car

Mr David Jones | 18th July 2019

Ancaster Nissan South Croydon

Ancaster Nissan Shepperton were fantastic because they were very personal and understanding.

Mrs Eileen Tacij | 18th July 2019

Ancaster Nissan Shepperton

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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