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You can afford that car with car finance by Specialist Cars

There are various funding packages available either as a private individual or a business user.

Some dealers might try to baffle you with all sorts of technical terms and jargon, we believe in giving you straight forward information and try and help you decide which method suits you best, or which benefits you the most.

The finance we offer is very flexible, NIL deposit deals, old car as full deposit, finance terms can be up to 60 months.

We can arrange a drive away ‘within an hour’ – please ask for full details.

A brief summary of some of the most popular funding methods available.

For a more specialised quotation please contact Umesh on 01782 822 700

Hire Purchase

Hire Purchase is a simple and popular way of purchasing a vehicle, with worthwhile tax advantages for businesses. If ownership is a priority, this is an extremely cost effective method of borrowing.

Paying an initial deposit, calculated as a percentage of the total cost this is followed by fixed monthly repayments; which allows you to budget monthly expenditure precisely in advance.


Who Owns the Vehicle at the End of the Agreement?

At the end of the agreement, which may be from 1 to 5 years, you become the outright owner of the vehicle.

Contract Hire with Maintenance

This is a simple Operating Lease that includes full maintenance, servicing and road fund licence. It provides a complete fixed cost motoring package, leaving you free to concentrate on running your business


Who Owns the Vehicle at the End of the Agreement?

At the end of the agreement you may arrange a brand new vehicle to replace your current vehicle, handing the old one back to us. We will arrange for vehicle disposal.

Contact Hire Without Maintenance

Lease This is an Operating Lease without maintenance or servicing. It is a simple and straightforward facility that can offer some businesses an efficient package that lets you retain control of your own vehicle servicing and maintenance.


Who Owns the Vehicle at the End of the Agreement?

After you have paid your regular fixed monthly rentals for the fixed period, at the end of the agreement you simply hand the vehicle back.

Lease Purchase

This is similar to Hire Purchase but has greater flexibility.


Who Owns the Vehicle at the End of the Agreement?

After making the balloon payment, ownership of the vehicle can be taken, or it can be part exchanged – using any surplus equity towards a deposit for a new vehicle.

Personal Contract Hire

Personal Contract Hire (PCH) is a new product for private individuals leaving a company car scheme or joining a new company that provides a car allowance, instead of a company car. It allows you the opportunity to finance a car using the most popular funding method used by companies. PCH is available with or without a maintenance package (the maintenance package offering fixed cost motoring with no hidden extras) and is available for new cars or used vehicles up to 15 months old.


Who Owns the Vehicle at the End of the Agreement?

You use the car for the designated period and at the end of the term the vehicle must be returned to the finance company and you start a new agreement with the vehicle of your choice. PCH rates are exactly the same as quoted contract hire rates simply add 20% to the monthly rate (as VAT is not reclaimable for PCH) and PCH is available on all UK supplied cars.

Personal Contract Purchase

Personal Contract Purchase (PCP) is a new product developed to enable individuals to finance their vehicle whilst still retaining some or all of the benefits associated with a company car. As the agreement is written in your name the normal “benefit in kind tax liability” doesn’t apply.

This facility can also be offered to those employees not normally entitled to a company car. Low deposit followed by a fixed monthly charge means that is easy to budget for and it is possible to provide all-inclusive maintenance and breakdown packages.


Who Owns the Vehicle at the End of the Agreement?

The vehicle is supplied for a set period of time at a fixed rental. At the end of the agreement the driver may purchase the vehicle by paying the balloon payment (guaranteed future value) or simply return it to the finance company.

PLEASE BE AWARE that any figures are provided to give you an idea of the finance repayments. An accurate and written quotation is available upon request from us. Facilities available to persons aged 18 or over resident in the UK who meet normal credit requirements. Indemnities may be required in certain circumstances.

All applications for Credit are subject to acceptance. Rates may vary. This is for your guidance only (ask for a written quotation).


Enquire further.

If you wish to enquire further call us today on

01782 822 700

Alternatively you can email me direct at umesh@specialistcars-stoke.co.uk