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Helping you find finance that's tailored to your needs
Many different options are available when purchasing a car on finance, so it’s important that you fully consider each of them to make sure you’re choosing the right one for you.
Some finance agreements are tailored to specific circumstances while others are not available to certain types of buyer. Which of the following categories matches your circumstances?
You’re buying the vehicle for yourself
You’re opting out of a company car scheme
You’re buying a vehicle for a business
While there are finance agreements available for all types vehicles, some finance agreements are only available on new vehicles, whilst others are only available on vehicles up to a certain age.
A brand new vehicle where you’ll be the first registered keeper
A vehicle that’s less than a year old with under 12,000 miles on the clock
A vehicle that’s been previously owned by one or more drivers
Different finance agreements are available based on the amount of time you plan to keep your vehicle for.
You’ll be changing the vehicle every two to three years
You plan on keeping the vehicle for at least four or more years
Different options are available to you depending on whether you want to own the vehicle or not.
You’d like the option to own the car at the end of the agreement
You don’t want the option to own the car at the end of the agreement
A Personal Contract Purchase agreement offers low monthly payments with flexible options at the end of the agreement that give you the option to purchase the car, hand it back or use it in part-exchange for a newer vehicle.
Find out more about PCP
Personal Contract Hire offers fixed cost motoring, with maintenance included, where you simply hand the car back at the end of the agreement.
Find out more about Personal Contract Hire
Hire Purchase is quick to arrange and offers fixed rate monthly payments and, at the end of the agreement, you own the vehicle.
Find out more about Hire Purchase
The type of agreements available to you depend on how important having ownership of the vehicle at the end of the agreement is to you.
You’d like to own the vehicle at the end of the agreement
Owning the vehicle at the end of the agreement is not an important factor to you
Find out more about HP
A Personal Contract Purchase agreement offers low monthly payments and the option to hand the vehicle back at the end of the agreement, with other flexible options allowing you to purchase the car or use it in part-exchange for a newer vehicle.
Financing vehicles for your business can be a complex subject, with the right financing depending on a variety of factors. Our Fleet Teams are on hand to offer professional help and advice on all aspects of running vehicles for your business. The information in this section is for guidance only.
Will you or a member of your staff want to be responsible for the sourcing, running and maintenance of the company vehicles?
You’ll source and run the vehicles internally
You’d like someone else to worry about that
You own the vehicles and are responsible for the running and maintenance of them.
Contact the Listers Fleet Team
Is having the option to own the vehicles important to your business?
Your business may want to purchase the vehicles at some point
It’s unlikely that your business will want to purchase the vehicles
Would you prefer to run your vehicles without exposing yourself to the final market value?
You don’t want to take a risk on the residual value of the vehicles
You’re willing to take a risk on the residual value of the vehicles
Fixed price rentals with an agreed final purchase price.
Finance agreements that allow for easy budgeting of monthly payments or rentals
Run vehicles with fixed price rentals, option included vehicle maintenance and zero risk.
View our Contract Hire offers
Is there a benefit to you for taking part in your company car opt-out scheme?
Extra salary compensation is available
Additional salary compensation is not available
Is having the option to own the car important to you?
You’d like to have the option to own the vehicle at the end of the agreement
Owning the vehicle is not an important factor in your decision.
Fixed term, fixed cost motoring, with maintenance included, and you simply hand the vehicle back at the end of the agreement
Different finance agreements are available depending on the amount of time you plan on keeping the vehicle for.
You plan to keep the vehicle for at least four or more years.
Finance agreements that offer fixed price rentals
Contact the Listers Finance Team