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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 great because ,they have been an established Nissan dealer for a long time and reputation goes a long way/

Mr William Mullan | 17th October 2018

Ancaster Nissan Penge

I was pleased with Ancaster Fiat Catford and would recommend them because they are friendly and even when my car comes in for service or work doing they always keep me posted and I even speak to the technician which is a great help because he gets to know about my issues and he can assist appropriately

Miss Mary Andretta | 17th October 2018

Ancaster Fiat Catford

I'd definitely recommend Ancaster Nissan Eltham because of their friendly and professional environment

Mr M | 17th October 2018

Ancaster Nissan Eltham

I'd suggest Ancaster Nissan Bromley to a friend because the sales team were friendly,very informative ,patient and did all they could to find the right car for my daughter without over pushy sales that would make you feel pressured in to buying

Mrs Nicola Mulhern | 16th October 2018

Ancaster Nissan Bromley

I had a great experience at Ancaster Nissan Bromley because the customer service was great. The taxi home and back to the dealership was a nice touch

Mrs M Ojelade | 16th October 2018

Ancaster Nissan Bromley

I'd definitely recommend Ancaster Nissan Penge because they are very efficient and staff are very friendly. The sales executive that dealt with my enquires and finding me the car I wanted was James Howard and he was fantastic! Covered everything that I need to know to make my decision to purchase. Would definitely recommend!

Miss R | 16th October 2018

Ancaster Nissan Penge

I was happy with the service at Ancaster Nissan Eltham because I found all the people very easy to talk to & very accommodating & helpful

Miss Kim James | 16th October 2018

Ancaster Nissan Eltham

The staff at Ancaster Nissan Eltham were good because they were very helpful,especially Sanjeet who handled my problem after I was supposed to meet Christopher,who was double booked.

Miss Michelle Mathew | 16th October 2018

Ancaster Nissan Eltham

I was happy with the service at Ancaster Nissan South Croydon because the sales staff were friendly, honest and accommodating.

Mr Shabbir Dungarwalla | 16th October 2018

Ancaster Nissan South Croydon

I was pleased with Ancaster Nissan Slough and would recommend them because extremely friendly not pushy at all. I’m only 24 and didn’t feel pressured at all and explained everything so I would understand. Listen to what I wanted and not pushed me into anything that I didn’t want.

Miss Stacey Curl | 16th October 2018

Ancaster Nissan Slough

My experience at Ancaster Nissan South Croydon was good because all the staff are friendly and very helpful.

Miss Lauren Girvan | 16th October 2018

Ancaster Nissan South Croydon

I'd recommend Ancaster Nissan Eltham to a friend because Elissa Appleby-Mason demonstrated great product knowledge, listened and then answered with thought and clarity all whilst my children climbed on her desk and wanted to tell her about their day at the farm!

Mrs Sam Elliott | 16th October 2018

Ancaster Nissan Eltham

I'd definitely recommend Ancaster Nissan South Croydon because they are always willing to help, give you the best deal, explain everything so detailed & nothing is ever a hardship. Fantastic service. Great team

Ms Angela Knights | 16th October 2018

Ancaster Nissan South Croydon

Ancaster Nissan Bromley were helpful because they assisted with my enquires and advice according with my badget . After my visit I received a friendly call from the sales representative:)

Miss Karen Forero | 16th October 2018

Ancaster Nissan Bromley

The experience at Ancaster Nissan Eltham was great because Desmond Gustave has so much experience in what he does. Very friendly and accommodating, he never feels bothered.

Mr Olawale Oyeneye | 16th October 2018

Ancaster Nissan Eltham

I'd recommend Ancaster Nissan Eltham because the staff are friendly , very helpful and nothing is a bother, excellent service

Mr Kevin Bint | 16th October 2018

Ancaster Nissan Eltham

Ancaster Nissan Eltham were great because jonothan was very helpful and done all he could to assist although unfortunatley we didnt progress to a sale this time

Mrs Kim Rich | 16th October 2018

Ancaster Nissan Eltham

I was happy with the service at Ancaster Nissan Bromley because the sales person that attended to me was quite helpful, supportive and very professional

Mrs Joyce Eribo | 16th October 2018

Ancaster Nissan Bromley

Ancaster Nissan Slough staff were good because of the personal treatment. After my initial enquiry on the telephone Keiron sumner sent me a very helpful video introducing himself and some of the cars they had to offer. We made an appointment with him and ended up buying one. Very professional showroom. Great coffee

Mrs Lorraine Evans | 16th October 2018

Ancaster Nissan Slough

I'd suggest Ancaster Fiat Catford to a friend because of the good service I received.

Mrs Jacqueline Bonnaud | 12th October 2018

Ancaster Fiat Catford

My experience at Ancaster Nissan Eltham was cracking because my Sales Adviser Elissa was very helpful and efficient in her job. Unlike other dealers, Elissa was very thorough, clear and concise. No pushy sales pitch were forced upon us. Would definitely recommend any potential buyers to make an appointment with Elissa.

Miss J | 8th October 2018

Ancaster Nissan Eltham

Ancaster Fiat Dartford were great because great staff made everything very easy

Mrs Sandra Routledge | 6th October 2018

Ancaster Fiat Dartford

Ancaster Nissan Bromley were fantastic because they were incredibly friendly and I did not feel any pressure to buy like you do with some other dealerships, which incouraged me more to purchase one of there cars, they were incredibly professional and helpful I am very happy with my purchase. I would recommend them to many friends.

Mr Leigh Reynolds | 6th October 2018

Ancaster Nissan Bromley

I was pleased with Ancaster Nissan Bromley and would recommend them because They were Friendly professional I got the car I wanted with a good trade in price for my old car. The test drive was long so I had a real feel for the car

Mrs Kathy Bullock | 4th October 2018

Ancaster Nissan Bromley

Ancaster Nissan South Croydon were great because they are very friendly and helpful.

Miss Sarah Farley | 4th October 2018

Ancaster Nissan South Croydon

Ancaster Nissan Bromley were great because my sales advisor was called Leonardo V. He was so attentive and friendly he helped me so much when I could not get the finance I wanted he didn’t give up as I wanted a yellow car he managed to find a Nissan Juke with yellow interior, which is literally my dream car I can’t thank him anymore his customer service skills is 100% on point I couldn’t ask for more I won’t ever forget my experience with him he made me smile all the time. I would definitely recommend Ancaster Bromley to everyone I know and strangers!

Miss Jacqueline Evans | 4th October 2018

Ancaster Nissan Bromley

Ancaster Nissan South Croydon were great because the Service manager is fantastic and always dealt with my queries.

Miss Lauren Girvan | 4th October 2018

Ancaster Nissan South Croydon

The staff at Ancaster Fiat Dartford were good because they made us welcome, explained everything in detail, were down to earth and not pushy. Completely happy with the custom.

Mrs Angela Halstead | 3rd October 2018

Ancaster Fiat Dartford

My experience at Ancaster Nissan Slough was excellent. Staff are friendly, polite and knowledgeable. There is no pressure to buy and they listen to what your criteria are and try to meet them.

Mr Stuart C | 3rd October 2018

Ancaster Nissan Slough

I'd recommend Ancaster Nissan Bromley because great cars and great customer service.

Mr Paul Harcourt | 3rd October 2018

Ancaster Nissan Bromley

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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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