The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #fast #finance


#guaranteed finance

#

We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


New Kia Deals at Stoneacre Motor Group #minister #of #finance


#kia finance deals

#

Kia Sorento

New Kia Deals

As one of the largest car manufacturers to come out of South Korea, Kia has gone from strength-to-strength over the last decade thanks to its ever-growing range new Kia cars that offers vast flexibility and a model for everyone.

One of Kia’s most popular examples is the rugged Sportage SUV. whose fourth-generation model is set to be launched at the end of 2015 to give the Sportage a more upmarket feel thanks to the use of more high quality materials and new technology. On sale now and another updated part of the new Kia car range is the flagship Sorento that was given a design overhaul and upgraded interior to make it one of the best value SUVs on the market.

Kia’s hatchback selection remains as a strong as ever, with its Cee’d and Pro_Cee’d models offering two comprehensive hatches complete with highly efficient engines and immaculate safety records. Meanwhile, those looking for a capable city car can look to the compact Picanto and if you’re after something to fit the whole family in, the Kia Carens is a fantastic example of a practical MPV with a big dose of efficiency and style.

In coming to Stoneacre for a new Kia means you’ll be able to take advantage of a large array of offers across the whole range of new Kia cars, from the Pro_Cee’d GT hot hatch to the quirky Soul crossover. Take a look at our various new Kia deals or get in touch with one of our four Kia dealers and our staff will help you every step of the way towards you new Kia.

Kia 7 Year Warranty

All Kia new cars come complete with the Kia 7 year manufacturer warranty. Kia cars are rigorously tested to ensure the highest possible standards of reliability and durability.

The outstanding production quality is what gives Kia the confidence to offer a full 7 year manufacturer’s warranty across its entire range.

Nice! You just added a car to your favourites.

Access your favourites anytime by clicking at the top of the page.


Get Van Finance with Stoneacre Motor Group #commercial #finance


#vans on finance

#

Van Finance

Check if you are eligible

Car finance calculator

So, what next?

Van finance from Stoneacre

Getting behind the wheel of a brand new van is now easier than ever with Stoneacre. In addition to a large choice of vans always in stock and ready to drive away, you’ll also find affordable van finance, including bad credit van finance.

We consider all circumstances and our van finance could help you spread the cost of your van over affordable monthly payments, letting you drive away today with little or even no deposit to pay. Here’s how it works.

Applying for van finance deals with Stoneacre

By working with the UK’s leading finance companies, and underwriting our own finance in-house, we can offer affordable van finance even if you have CCJs, have been released from bankruptcy, or have no credit history at all. New and used vans are also available with no-deposit finance, helping you drive away without having to put down a cash lump sum.

You can even check out how affordable our finance could be using our online Finance Calculator above. It’s quick and easy, letting you enter the amount you want to borrow, your deposit and the APR, to work out what your potential monthly payments will be. Try it now.

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #credit #finance


#guaranteed finance

#

We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


Get 0 Car finance with Stoneacre Motor Group #business #finance


#0 finance

#

0% Car Finance

Check if you are eligible

Car finance calculator

So, what next?

Interest Free Car Finance

One of our best and most popular offerings is interest free car finance – a deal which allows you to pay for a car without incurring any interest costs at all.

Although we have a large range of finance offers and options, we find many motorists come to us seeking to buy a car on interest free finance. For this reason, we always stock a vast selection of new and used cars eligible for interest free car finance deals.

When it comes to getting finance. we’re also proud to boast that we’re one of the few motor groups that can genuinely offer cars with interest free finance.

Interest free car finance for you

In addition to providing interest free car finance deals, we can also tailor other aspects of finance to suit you and your circumstances.

For instance, if you’re not in a position to raise a large deposit, we could help by accepting a low initial payment – or sometimes, no payment at all – to help get you behind the wheel.

Plus, if you already own a car, this could be used in part-exchange against the cost of your new car. To find out how much it could be worth, and how much you might save, make sure you get a free valuation guide before visiting one of our dealerships.

Applying for interest free car finance with Stoneacre

Applying for interest free car finance through Stoneacre is swift and easy, thanks to our quick-to-complete online application form .

Simply provide few details about yourself and our in-house team will begin to process your application. To help things proceed smoothly, we’ll assign a personal finance coordinator who will get in touch to take you through the rest of the application.

Early in the process, we’ll carry out what’s called a ‘soft’ search on your credit reference file, just to see if you’re eligible for car finance. Don’t worry if your credit history isn’t the best. We consider the circumstances of every customer and our in-house underwriters are specialists at helping people and providing what’s sometimes called bad credit finance.

We have a high acceptance rate and we’ll do all we can to help you drive away in the car you want.

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


The Best Car Finance Deals with Stoneacre Motor Group #america #honda #finance


#finance deals

#

Car Finance Deals

Check if you are eligible

Car finance calculator

So, what next?

Car Finance Deals

So, you’ve found your dream car and you’re ready to talk finance, but maybe you’re feeling just a little unsure as to which car finance deal will be best for you? With Stoneacre, you’ll find a selection of the best car finance deals, but it’s still worth pausing to consider your options and how they work before rushing headlong into a barrage of numbers and percentages.

To help you compare the types of car finance available, and work out what’s best for you, here’s three of the most popular options explained.

Personal Contract Purchase

Perhaps the most popular type of car finance, PCP is also the most flexible, granting you the freedom of several options come the end of the contract.

Click here to find out if a PCP deal is right for you.

Hire Purchase

Of the main choices of car finance deals available, HP is the classic and perhaps more traditional option. Although not as flexible as PCP, HP does guarantee ownership of the car at the end of the finance agreement.

Click here to find out if a HP deal is right for you.

Personal Contract Hire

If you’ve no interest in owning your next car, PCH might just be the best car finance option for you. It’s also the perfect car finance deal if you don’t want to worry about depreciation or interest costs.

Click here to find out if a PCH deal is right for you.

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


New Kia Deals at Stoneacre Motor Group #computers #on #finance


#kia finance deals

#

Kia Sorento

New Kia Deals

As one of the largest car manufacturers to come out of South Korea, Kia has gone from strength-to-strength over the last decade thanks to its ever-growing range new Kia cars that offers vast flexibility and a model for everyone.

One of Kia’s most popular examples is the rugged Sportage SUV. whose fourth-generation model is set to be launched at the end of 2015 to give the Sportage a more upmarket feel thanks to the use of more high quality materials and new technology. On sale now and another updated part of the new Kia car range is the flagship Sorento that was given a design overhaul and upgraded interior to make it one of the best value SUVs on the market.

Kia’s hatchback selection remains as a strong as ever, with its Cee’d and Pro_Cee’d models offering two comprehensive hatches complete with highly efficient engines and immaculate safety records. Meanwhile, those looking for a capable city car can look to the compact Picanto and if you’re after something to fit the whole family in, the Kia Carens is a fantastic example of a practical MPV with a big dose of efficiency and style.

In coming to Stoneacre for a new Kia means you’ll be able to take advantage of a large array of offers across the whole range of new Kia cars, from the Pro_Cee’d GT hot hatch to the quirky Soul crossover. Take a look at our various new Kia deals or get in touch with one of our four Kia dealers and our staff will help you every step of the way towards you new Kia.

Kia 7 Year Warranty

All Kia new cars come complete with the Kia 7 year manufacturer warranty. Kia cars are rigorously tested to ensure the highest possible standards of reliability and durability.

The outstanding production quality is what gives Kia the confidence to offer a full 7 year manufacturer’s warranty across its entire range.

Nice! You just added a car to your favourites.

Access your favourites anytime by clicking at the top of the page.


The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #mazda #finance


#guaranteed finance

#

We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


The Truth About Guaranteed Car Finance – Stoneacre Approved Finance #sify #finance


#guaranteed finance

#

We Don’t Offer Guaranteed Car Finance, But We Do Approve 2-Out-Of-3

Check if you are eligible

Car finance calculator

So, what next?

The Truth About Guaranteed Car Finance

‘Guaranteed’ car finance is a highly contentious subject. Although it’s widely promoted by car dealers and online brokers, it’s massively frowned upon by regulators. After all, it’s almost impossible to comprehend how any legitimate lender could actually follow through on such a ‘guarantee’.

In reality, the phrase ‘guaranteed approval’ is simply used in order to tempt customers into applying for finance, at which point the ‘guarantee’ fails to materialize and a significant number of applications are subsequently declined.

So, is guaranteed car finance a scam?

Basically, yes. That’s because dealers and brokers don’t actually control whether or not a customer is approved for car finance. It’s the lenders who have the final say over who they choose to lend their money to, or not.

These decisions are based around a complex set of criteria, something that’s often referred to as a scorecard. Lenders naturally want to make sure the people they lend their money to will be able to repay it; something their business model relies upon. Ultimately, this means there’s absolutely zero chance of everyone being guaranteed car finance by default.

Aside from lenders safeguarding their money, it would also be unethical to approve every car finance application. Lenders would end up lending money to people who clearly aren’t in a position to repay it, pushing people further into debt.

The law on guaranteed car finance

The 2010 consumer credit (advertisements) act states that making false or misleading claims in relation to consumer credit, regardless of intent, is an offense.

Not only that, but the act specifically states that advertisements must not contain the expression ‘loan guaranteed’, or anything similar, unless there are no conditions to the credit worthiness of the borrower. So any dealer or broker promoting ‘guaranteed’ car finance is likely to be in breach of all three principles.

The consequences can range from a slap on the wrist to a full Financial Conduct Authority (FCA) investigation, with subsequent enforcement action. This action can be taken against the broker or dealer and also against senior executives, who themselves have a legal responsibility to ensure their business is compliant.

Given the FCA’s focus on Treating Customers Fairly (TCF), the promotion of guaranteed car finance shouldn’t be happening. However, considering that around 60,000 companies fall within the FCA’s jurisdiction, policing them all must be a mammoth task and it’s conceivable that some will slip through the net. Proof of this can be found by simply browsing dealer and broker websites.

Fees with guaranteed car finance

Adding further insult to injury are those online brokers who not only claim to guarantee a car on finance, but charge an application fee ranging between £35 and £299 for the privilege. Yet even after paying this fee, you aren’t necessarily guaranteed an offer of finance. Even if you are, the rates can be high and you may even be expected to find a guarantor.

That said, some of these brokers do offer a money back guarantee when it comes to the application fee. However, this guarantee is often bound so tightly in terms and conditions that you’d need to be a legal genius to navigate your way to an actual refund.

How Stoneacre can help

As you’d expect, ours is an ethical approach to providing car finance and we’re unable to guarantee an acceptance. However, through our highly trained in-house team and large panel of mainstream and alternative lenders, we can offer a two-out-of-three approval rate. We never ask you to pay an application fee either.

What’s more, we specialise in assisting applicants who’ve had trouble obtaining finance elsewhere, in particular those who have a history of adverse credit. So even if you have one or more defaults, CCJs, or an expired bankruptcy, we may still be able to help you fund the purchase of a new or used car (see: How we approach bad credit ).

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A


The Best Car Finance Deals with Stoneacre Motor Group #bachelor #of #finance


#finance deals

#

Car Finance Deals

Check if you are eligible

Car finance calculator

So, what next?

Car Finance Deals

So, you’ve found your dream car and you’re ready to talk finance, but maybe you’re feeling just a little unsure as to which car finance deal will be best for you? With Stoneacre, you’ll find a selection of the best car finance deals, but it’s still worth pausing to consider your options and how they work before rushing headlong into a barrage of numbers and percentages.

To help you compare the types of car finance available, and work out what’s best for you, here’s three of the most popular options explained.

Personal Contract Purchase

Perhaps the most popular type of car finance, PCP is also the most flexible, granting you the freedom of several options come the end of the contract.

Click here to find out if a PCP deal is right for you.

Hire Purchase

Of the main choices of car finance deals available, HP is the classic and perhaps more traditional option. Although not as flexible as PCP, HP does guarantee ownership of the car at the end of the finance agreement.

Click here to find out if a HP deal is right for you.

Personal Contract Hire

If you’ve no interest in owning your next car, PCH might just be the best car finance option for you. It’s also the perfect car finance deal if you don’t want to worry about depreciation or interest costs.

Click here to find out if a PCH deal is right for you.

For the purpose of this promotion Stoneacre is not acting as a lender but as an independent credit broker working with a panel of lenders. A list of these lenders is available upon request. Stoneacre do not charge a fee for an introduction to a finance provider, however, we may or may not receive a commission.

Decidebloom Ltd t/a Stoneacre, Omega Boulevard, Capitol Park, Thorne, DN8 5TX, is authorised and regulated by the Financial Conduct Authority. Our FCA number is 308726. You can verify this by visiting the FCA website or by contacting the FCA on 0854 606 9966.

Finance Q & A