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Funding your SKODA with Ridgeway | Explanation video to give you an informed choice

Solutions (PCP)

Solutions is a flexible personal contract plan (PCP), which could help to give you more car for your money.

Whether you want to drive the latest model or change your car to suit your circumstances, SKODA Finance from Ridgeway can help. Solutions puts you in the driving seat. You can pay a smaller deposit (as little as one repayment) and defer a proportion of the cars value until the end of the agreement helping you lower your repayments when compared to hire purchase.

Designed around both you and your budget, solutions works to your preferred repayments over your agreed term, anything from 18 months to three and half years.

Hire Purchase

At Ridgeway SKODA, we’re always trying to make your life that little bit easier for you, and our hire purchase can do just that. Simply pay a 10% deposit, spread your monthly payments over 1 to 5 years and once they’re completed, your SKODA is all yours.

How does hire purchase work?

  • Choose the SKODA and the repayment period that’s right for you
  • Agree a repayment amount to suit your budget
  • Pay an initial deposit to start your agreement
  • The balance is divided equally over the term and after the final repayment you own your SKODA*

How you benefit

  • You’ll own your SKODA and keep within your preferred budget
  • You can choose your own repayment period – up to five years

Please Note: * Subject to payment of the option to purchase fee. An offer of finance depends on certain conditions. Subject to status. Indemnities may be required. Available to people over 18 in the UK only. SKODA Finance.

Contract Hire

If you run a small business and want to run a SKODA without worrying about its future value or the hassle of eventually selling it, a contract hire agreement from Ridgeway SKODA could be for you.

We’ll agree a plan of fixed monthly rentals lasting for one year to four years. At the end of the contract you simply hand the car back, subject to mileage and vehicle condition, and start a new agreement on a brand new SKODA.

You can budget ahead by adding servicing, maintenance and tyre costs to your agreement. It may even be possible for your business to recover the VAT on these elements.

Finance Lease

​We value our business customers. That’s why we have a finance lease package that is just as clever as your business.

Finance lease gives you the option to reduce your monthly rental costs or shorten the term of your contract and also gives you the chance to share in any potential excess sales proceeds when the vehicle is sold at the end of the agreement. If you are a VAT registered business you may be able to reclaim a proportion of the rentals as business expenses.

Lease Purchase

Lease purchase lets you lower your monthly payments, compared to hire purchase, by deferring a proportion of the vehicle cost to the end of the agreement. Lease purchase is great for small businesses that want to keep control of their cash flow to be able to change vehicles sooner.

To find out more regarding funding options for your next New or Used SKODA contact our experienced advisors who can provide information and guidance on what option will suit you and create a bespoke SKODA finance package to get you in the driving seat of a new or used SKODA.

Ridgeway SKODA Newbury 01635 592315
Ridgeway SKODA Oxford 01865 566100
Ridgeway SKODA Reading 0118 914 5730

Ridgeway Garages (Newbury) Limited, Pentagon Limited and Ridgeway Bavarian Ltd. All companies registered office is situated at: Ridgeway, c/o Marshall Motor Holdings plc, Airport House, The Airport, Cambridge CB5 8RY.

Authorised and regulated by the Financial Conduct Authority.
Ridgeway Garages (Newbury) Limited: Registered in England 3297014. VAT No. GB 229 1240 30.
Pentagon Limited: Registered in England 1862751. VAT No.GB 229 1240 30.
Ridgeway Bavarian Limited: Registered in England 7930214. VAT No. GB 229 1240 30.

Ridgeway Garages (Newbury) Limited, Pentagon Limited and Ridgeway Bavarian Limited act as a non-independent credit intermediary for the following panel of leaders: Mercedes-Benz Finance Ltd, Volkswagen Financial Services Ltd, BMW Financial Service Ltd, Jaguar Financial Services, Land Rover Financial Services, Black Horse Consumer Finance Ltd, Maserati Finance Limited, Santander Consumer Finance Ltd, Alphera Finance Ltd, Motonovo Finance Ltd, Northridge Finance ltd, DSG Brokerage Ltd and Evolution Funding Ltd. The products Ridgeway Garages (Newbury) Limited, Pentagon Limited and Ridgeway Bavarian Limited provide include Hire Purchase, Lease Purchase, Personal Contract Purchase and Private Contract Hire for consumer as well as a range of business funding solutions for corporate customers.

Ridgeway Garages (Newbury) Limited is an Authorised Firm and regulated by the Financial Conduct Authority for credit-related activities and insurance mediation activities. Our Firm Reference Number (“FRN”) is 314241. Ridgeway Bavarian Limited (FRN 578289) and Pentagon Limited (FRN 714944) are Appointed Representatives of Ridgeway Garages (Newbury) Limited, Marshall Motor Holdings plc, Airport House, The Airport, Cambridge CB5 8RY and are regulated by the Financial Conduct Authority for credit-related activities and insurance mediation activities. You can check this on the FCA’s website www.FCA.gov.uk/register or by contacting the FCA on 0845 606 1234. Our permitted business is advising on and arranging non-investment insurance. We also have permission to carry out the regulated activity of credit brokerage.

Alternative dispute resolution. Alternative dispute resolution is a process where an independent body considers the facts of a dispute and seeks to resolve it, without you having to go to court. If you are not happy with how we have handled any complaint, you may want to contact the alternative dispute resolution provider we use. You can submit a complaint to The National Conciliation Service (NCS) via their website at http://www.rmif.co.uk/consumers/why-use-an-rmi-member/NCS will not charge you for making a complaint and if you are not satisfied with the outcome you can still bring legal proceedings.

Please note that calls to our dealerships and Customer Support Unit may be monitored or recorded for quality and training purposes.

Our CO2 and consumption values stated on ridgeway.co.uk are provisional and are currently under review. Revised values will be published if necessary.


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