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Finance Packages Available and Explained
We know that finding the right finance deal for you is important. At S McAfee and Son we help you choose from our monthly payment options. As we're a finance broker not a lender, we’ll always find a competitive deal for you. But what is the right option with all the jargon how do you know what package to choose? Our sales team are trained in available options and are able to answer any queries you may have. The two main finance packages are Personal Contract Purchase (PCP) and Hire Purchase (HP), below we have a short explanation on how these work and differ, to help explain each.
Personal Contract Purchase (PCP)
Pay monthly and then, swap, buy or return the car.
PCP could be right if:
- you're thinking of changing your car in the next few years
- you want lower monthly repayments than HP
- you're unsure whether you want to buy the car when your contract ends
Hire Purchase (HP)
Pay monthly and then own the car.
HP could be right if:
- you know you want to own the car when your deal ends
- you don’t mind making higher monthly payments than with a PCP deal
- you don’t want to worry about keeping track of your mileage
Why Finance with S McAfee & Son?
- Competitive Rates
- Standard 9.9% APR Representative
- No Setup Fee £10 Option to Purchase Fee
- Easy Application
- Request an Application Form via Email
- Call in to fill in an Application Form
- Low Deposit / Flexible Terms
- Deposits from Zero
- Choose the Term that suits you
We have a range of flexible finance packages ranging from zero deposit. Talk to us regarding your requirements, even if you have had trouble getting finance in the past we may be able to help.