Finance
To complete a finance application form click here.
We want to make buying a used car in Southampton, Portsmouth or Fleet with Imperial Car Supermarkets affordable to as many people as possible. To do so, we offer an exceptional array of finance packages that can be tailored to your needs and will see you driving away in a great value car that matches your budget.
Taking out car finance with Imperial Car Supermarkets offers a number of benefits. In addition, since we are regulated by the Financial Services Authority (FSA), you can rest assured that you will be getting a great deal that is fully compliant with all financial regulations.
Customer finance charter
In accordance with legislative changes relating to the sale of financial products (Consumer Credit Directive), we drafted our customer finance charter to ensure that you are fully aware of what to expect when taking out a finance agreement. Prior to receiving your new vehicle, we will supply you with:
- Pre-Contract Credit Information (PCCI): It is a requirement that this document be supplied to you well in advance of signing your credit agreement. The PCCI is also made available at any time after acceptance and a copy will be provided each time the document pack is printed.
- Pre-Contractual Explanation (PCE): We will read aloud the sections on the PCE which are highlighted in bold before you sign your finance agreement. You will also be given the opportunity to read the PCE and ask any questions. We will provide you a copy of the document.
It is our duty to ensure that you are fully aware of the repayments you are responsible for once your finance agreement begins, and will address any circumstances that may affect your ability to repay.
To ensure we fulfil our obligation to you, and in accordance with the new Consumer Credit Directive, we have published a Regulatory Requirement Sheet (RRS). This checklist ensures that all key actions have been completed before your finance agreement is signed. It also covers warranty and insurance products, and serves to ensure that you leave Imperial Car Supermarkets with all the required documentation.
Convenience
A finance agreement with Imperial Car Supermarkets offers the utmost in convenience. Not only will you be able to select from a fantastic range of used cars, but your car finance can be arranged within an hour. Unlike regular personal loans and mortgage agreements, we secure the loan against the car you purchase, meaning our acceptance rates are often higher than high-street banks.
Fixed payments
Purchasing a car on finance with Imperial Car Supermarkets really is cost-effective. Unlike many mortgages, personal loans and credit cards, interest rates are fixed for the duration of the agreement, ensuring that the monthly payment and final cost of purchase will not fluctuate.
Consumer protection
Peace of mind is essential when entering a financial agreement. That’s why the finance plans we offer are fully compliant with the Consumer Credit Act. What this means is that Imperial Car Supermarkets, licensed to provide credit services, must adhere to a strict set of regulations and explain the finance agreement in detail at the point of delivery.
To enhance the sense of security further, we even supply a range of insurance products. These protect your interests in the event of your car being written off or you being unable to meet your payments through illness or redundancy.
For more details on the financial products available with Imperial Car Supermarkets, contact us direct today.
