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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 10.9% 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. 

Privacy Policy

​Customer privacy and how we handle your details has always been very important to us. In accordance with the new GDPR laws coming into effect from the 25th May 2018 we have updated our privacy policy to keep you informed about the data we hold and in what way we use it. When arranging car finance it is necessary to forward the relevant information to the finance companies that we work with to allow them to process your application. This will only be done with your prior consent. Only details related to car sales and service will be held on file and we will not sell or share this information with a third party.