Your financing options explained

 

Our range of flexible car finance options, such as Personal Contract Purchase (PCP) and Conditional Sale (CS), makes owning a car more affordable. Whether you're looking for low monthly payments or a clear path to ownership, we have a financing solution that fits your budget.

Personal Contract Purchase (PCP)

PCP is the safe way to keep your options open. We’ll agree a future value for your car upfront, based on how much you drive.

First, you pay a flexible deposit – we’ll work out an amount you’re comfortable with and your part exchange may even cover this. Then, you make fixed monthly payments for 18 to 42 months depending on what plan you choose. Compared with other ways of paying, these will probably be lower than you think, and at the end of your contract you have three options:

1. Part-exchange your vehicle for another and start a new agreement.

2. Pay the optional final payment and own your vehicle.

3. Return your vehicle without further payments (terms and conditions apply).

Hire Purchase (HP)

If you’re set on your dream car, our Hire Purchase Scheme is an easy way to help you avoid getting weighed down by the full price of your car. By paying a fixed deposit and splitting the rest into monthly payments over 1 to 5 years, you can control how much you spend per month.

At the end of the contract, simply pay a final payment, and the car is all yours.

Conditional Sale (CS)

A Conditional Sale (CS) is a simple way to finance a car. You pay an initial deposit followed by fixed monthly payments. Once all payments are made, the car is yours and no final lump sum needed.

  1. Deposit: Pay an upfront amount, which can be flexible or covered by part exchange.

  2. Monthly Payments: Make regular payments over 12 to 60 months.

  3. Ownership: After completing all payments, you own the vehicle outright.

This option offers an easy path to ownership with no large payment at the end.

Contract Hire (CH)

If you own a small business, you can lease a fleet of cars from us to use as your own. This way, your money isn’t tied up in the full cost of your vehicle, it’s working for your business instead.

By making an initial rental to start driving, you make monthly payments throughout the duration of your contract, and then hand them back at the end (subject to fair wear and tear terms and conditions). We’ll even take care of the servicing and maintenance, leaving you to fully focus on your business.

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Disclosure
Caffyns Public Limited Company is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.
We can introduce you to a limited number of finance providers. We do not charge a fee for our Consumer Credit services. We do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over, Guarantees may be required.
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