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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

Ancaster Hyundai Croydon were really helpful and I'd recommend them because they did their best to ensure the vehicle was suitable for me and my family.

I'd definitely recommend Ancaster Nissan Slough to friends and family because the service from the time of enquiry to the follow up call after purchasing has been fantastic. Carine Gunner my contact sales person has been excellent. She's an asset to the company! Very happy indeed.

Ancaster Nissan Bromley staff were good because they had the stock available to support my vehicle interest, were flexible on price for my trade in vehicle, quick turnaround of documentation and car preparation ready to complete the deal and drive away. The staff were very helpful and not trying to push for a sale. A pretty good all round experience.

My experience was alright. They oversold to some extent. My tank was not filled all the way up, which they had promised and other little oversights that took away from the experience.

I would recommend Ancaster Nissan South Croydon to friends and family because everyone was great especially Juan. The whole experience was fantastic best service I have ever had buying a car

Ancaster Nissan Shepperton were great because their staff were friendly, helpful and not at all pushy. My main point of contact was Sunit, He answered all my numerous questions without hesitation. I am very pleased with my purchase and the service I received.

The experience at Ancaster Nissan Shepperton was good because they make you feel special and are very professional

Ancaster Nissan Eltham were fantastic because their customer services and environment was spot on

Ancaster Hyundai Croydon were amazing to deal with. Archie was friendly and helpful throughout. Veronica was equally as nice. I would highly recommend this garage and the team highly. Amazing.

I would recommend Ancaster Nissan Penge to friends and family because the sales member Alan mad me feel very relaxed & listened to my queries without any pressure. He was very informative & endeavoured to make the handover work for me before lockdown.

Excellent service. Knowledgeable, helpful and vert responsive without being pushy. Thank you!

I was pleased with Ancaster Nissan South Croydon and would recommend them because they kept me informed through every step, were very patient and only too happy to help

My experience at Ancaster Fiat Catford was positive because the team are all very helpful and got the car i wanted, very good experience would definitely recommend.

Ancaster Nissan Penge were great because the staff explain all the questions asked to my satisfaction.

Ancaster Fiat Catford were fantastic because I loved Anita she was so efficient

I would recommend Ancaster Fiat Catford to friends and family because very good customer service

I'd definitely recommend Ancaster Hyundai Croydon because everyone was so lovely and patient and really took the time to make sure I was completely happy, amazing customer service! The website was also so easy and functional to use compared to any other dealership in the area, well done!

My experience at Ancaster Fiat Catford was as I would expect . Staff were helpful

The experience at Ancaster Nissan Eltham was good

My experience at Ancaster Nissan Shepperton was very good because the salesperson was competent, friendly and listened as well as advised . Overall a good experience.

I was pleased with Ancaster Fiat Dartford and would recommend them because we found that Michael went above and beyond to help us, he is such a pleasure to do business with. He went through every step meticulously whilst having a laugh. Everything ran smoothly. Delighted with the service.

Ancaster Nissan South Croydon were fantastic because from the moment I step on the store, I was welcome straight away, even though I saw that all salesmen were busy, one of them, already serving a customer, offered me to sit down and asked me to please wait couple of minutes for another representative. This may sound like the minimum and obvious that you would expect, but I have different experiences with other dealerships in the same area. This attitude made feel welcome, even though everyone, including me, were wearing masks. The knowledge and expertise of my representative was second to none. I was very impressed by the high standard of the show room and the car that I ended up buying the next day. Even though I didn't take their finance, because I had already a personal loan with my bank, their numbers were very fair and really well explained.

Ancaster Fiat Dartford were fantastic because the customer care was outstanding

Ancaster Nissan Eltham were great because from the moment I contacted them they were very helpful and professional and the purchase of my new car was a very pleasant experience from start to finish

My experience at Ancaster Nissan South Croydon was cracking because from start to finish the experience was great. I was offered various choices of vehicles, given a detailed accounts of the vehicle. Not once did I feel pressured to buy a vehicle, I was given time to think. All my questions where answered. Brilliant communication phone and emails. Thank you Nissan VERY HAPPY CUSTOMER.

I'd endorse Ancaster Nissan Slough because as a black person, sometimes when you request a service, the treatment is usually bad at times, like does that have me no attention at all. Angelo showed interest and I felt that he treated me the way I am supposed to be treated as a human being. He made me feel welcome and heard. He was patient and did put himself in my shoes as a new buyer. Angelo was just beyond great. Have him a salary raise or a year of paid leave.

The experience at Ancaster Nissan Bromley was very satisfying

ncaster Nissan Penge were great because all the staff when ever i have visited have always been helpful,have used them for over 17 years and nothing is to much for them,they really care about their customers,and the customers really care about them.

I'd recommend Ancaster Hyundai Croydon because their level of customer service is very high, communication was very good and every member of staff I spoke to was helpful, polite and experienced.

I was happy with the service at Ancaster Fiat Dartford because the experience was positive from start to finish. Easy to view a wide selection of cars, we were buying my daughters’ first car. Delighted with the service and pleased to recommend.