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Car Finance

Take the burden out of car shopping with our competitively low car finance deals. Enjoy easily affordable monthly payments when you buy your car on finance with Sandicliffe.

We like to tailor each customer’s shopping experience to their personal needs so that you can spend the next 12 or so months enjoying your car and not worrying about your next payment. When buying a car on finance, we will take you through all the necessary steps to ensure you really do get the best car finance deal for you.

Car Finance Explained

When you buy a car on finance, you are ultimately buying a car through regular monthly payments rather than one lump sum at the beginning. Buying a car on finance has become a very popular option as it helps drivers get behind the wheel of their dream car at a rate affordable to their budget. Car finance is usually flexible and can be altered according to your needs, for example lower monthly payments could mean a longer contract and higher monthly payments could mean a shorter contract, so you won’t have to worry when choosing the best car finance deal for you as there will much on offer that will harmonise with your requirements. There are generally two car finance options to choose from, these are Personal Contract Purchase (PCP) and Hire Purchase (HP).

Please take a look at our Car Finance guides below where you will find all the essential information needed to decide on which car finance option best suits you. That’s right, there’s more than one!

Personal Contract Purchase

If you enjoy driving the latest cars available on the market, Personal Contract Purchase could be the choice of finance for you.

Features include:

  • Freedom to return, swap or walk away at the end of your agreement.
  • Annual mileage limit and wear and tear policy.
  • Lower monthly rates and deposit.

Hire Purchase

If you wish to own your financed car at the end of your agreement, a Hire Purchase car finance plan would be the choice for you.

Features include:

  • You will become the owner at the end of your agreement.
  • No annual mileage limit or wear and tear policy.
  • You can end your agreement at any time by settling the owed amount.

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Frequently Asked Questions

Car finance is a contractual agreement between you and a lender which results in the purchase of a car for a certain period of time. Your agreement will involve making monthly payments back to your lender until your contract is over. At the end of your contract you will either become the owner of the vehicle or you will return the vehicle depending on which car finance plan you choose to undertake. We offer our customers Personal Contract Purchase and Hire Purchase finance.

Yes, both new and used cars can be purchased on finance.

Getting your finances in order can be tough work but at Sandicliffe we offer all of our customers the best car finance deals across the East Midlands. Buying a car on finance is a great way to get on the road without having to buy a car outright. By spreading the cost of your new vehicle over a duration of time, you can enjoy monthly payments at a rate affordable to you.

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