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Finance

Finance

Finance Enquiry

Vehicle Finance at Kings Acre Cars

Please take a look at our finance product descriptions below, these explain the different finance products we offer here at Kings Acre Cars, if you require any further information please do not hesitate to contact our sales team who are here to help.
 

What is Personal Contract Purchase?

PCP is a finance product that is designed to reduce your monthly payments by delaying part of the repayment to the end of the agreement. The Deposit, Monthly Payment and Deferred Final Payment can all be adjusted to meet your needs. The final payment can be referred to as Guaranteed Minimum Future Value or Residual Value or sometimes a Balloon. This figure is worked out using industry data and estimated value at the end of the agreement. The final payment is guaranteed by the finance company. You can put the resale value of the car towards getting another vehicle.
For more information give us a call on 01432 345345.

 

What is Conditional Sale?

CS is a finance product that allows you to budget accurately by giving you a fixed interest rate and fixed monthly payments. The deposit and length of contract can be easily adjusted to give you a affordable monthly payment. The vehicle acts as security for the finance arrangement. When the finance has been fully paid off you will own the vehicle.
For more information give us a call on 01432 345345.

 

What is Hire Purchase?

HP is a finance product that is one of the simplest forms of finance, if you want to own the vehicle outright at the end of the agreement, this is likely to be the product for you. There are no mileage restrictions, payments are fixed and so is the interest rate, further to paying the final instalment the vehicle is yours.
For more information give us a call on 01432 345345.

 

Why Finance Through A Dealership?

What is Hire Purchase?

What is Personal Contract Purchase?

Newtown Motors (Cwmbran) Ltd T/A Kings Acre Cars are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority [310319]. Finance is Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.
Registered address: Unit 12, Somerset Road, Cwmbran, Gwent, NP44 1QX, Wales. Reg. Company Number 1370513. VAT Reg. No. 790872392. Data Protection No. Z2992932

NEWTOWN MOTORS (CWMBRAN) LIMITED is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows NEWTOWN MOTORS (CWMBRAN) LIMITED to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

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