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click Finance Calculator for PCP & HP
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Advantages of Dealer Finance
Consider your finance options
If you are looking to finance your next car, you may have a number of options open to you. Arranging your finance through the dealership is often the best way to fund your purchase and offer advantages to borrowing from a bank or other loan provider.
Your finance agreement - see the benefits
Dealer finance allows you to customise your agreement to suit your requirements and unlike some other forms of credit, the interest rate is fixed meaning that you know exactly what your monthly payments will be for the duration of the agreement. Dealer finance comes with a host of other benefits. You’re often more likely to be approved for a better rate of interest - see the video for more information.
Quick & easy
When arranging finance with Imperial Car Supermarkets, the process is quick and easy and approval can be turned around in minutes! We’ll handle all the necessary paperwork for you.
PCP (Personal Contract Purchase)
Lower Monthly Payments
PCP is an increasing popular way to fund your next car purchase. It will give you lower monthly payments than a traditional loan because the car’s future value is calculated and treated as the final payment.
PCP has some great features including lower monthly repayments and the ability to settle at any time.
3 Clear Options At The End of The Agreement
- Pay the final payment and keep the car or…
- Should your car not be worth the final payment value you have the option to hand it back to the finance company with nothing more to pay (Terms & Conditions do apply with regards to the vehicle’s mileage and condition).
- The most popular option is to part exchange your car and settle the agreement. Any excess over and the above the final payment can be used as part of your next deposit. You can choose to do this at any time during the agreement.
Please note that we do not offer PCP on commercial vehicles.
HP (Hire Purchase)
The Traditional Way To Fund a Vehicle
HP is very popular and has been the most traditional way to fund a vehicle over the years. You can settle your agreement at any time and you will receive a rebate of interest.
HP gives you a number of benefits over a normal loans and is fast and easy to arrange with the decision often turned around in minutes.
As we are paid directly by the finance company, you will get quicker delivery of your vehicle and as the vehicle acts as security there is no risk to your home.
You will also benefit from additional protection under the Consumer Credit Act.
Looking for our Finance Calculator?
We offer instant online finance examples for every car. It really is very easy - just find the car you are interested in, go to the car details page by clicking the link and then scroll down to the Car Finance Calculator.
We’ll ask you to enter a few details - your deposit amount or part exchange value, your preferred repayment period and your maximum mileage per annum. Click update and we’ll immediately provide you with finance examples based on the information entered and the car price. If PCP and HP options are available, these will be shown for your information. You can also apply for your car finance online if you wish or get in touch if you have any questions.
If you want to purchase a used car in the UK, Imperial Car Supermarkets want to make this as affordable to as many people as possible. To do so, we offer an exceptional array of car finance packages (including PCP & HP) 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 and as we are registered with the Financial Conduct Authority (FCA) you can rest assured that you will be getting a great deal that is fully compliant with all financial regulations.
A car 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 the hour. Unlike regular personal loans and mortgage agreements, we secure the car loan against your purchase, meaning our acceptance rates are often higher than high-street banks.
Purchasing cars 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.
Peace of mind is essential when entering a financial agreement. That’s why the car 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.
We created our customer finance charter to ensure that you are fully aware of what to expect when taking out a finance agreement. Find out more about our Customer Finance Charter.
If you are looking for car finance or want to find out more on the financial products available with Imperial Car Supermarkets, contact us today.
Please note that any finance examples and/or monthly repayments are designed to give you an indication of how much you may expect to pay for your loan.
Due to the many factors involved in car finance companies making their decisions including personal credit status, we can't guarantee being able to obtain a car loan for you at the quoted rates. Our staff will always try to obtain the best finance deal for you based on your personal circumstances.