Personal Contract Purchase Offers terms and conditions
Finance examples are for a Volvo Selekt Personal Contract Purchase agreement for a XC40 Plus, BEV Single Motor (2024) or XC40 B3 Plus, Mild Hybrid (2025) with a contract mileage of 10,000 miles per year and excess mileage charge of 14.9p per mile. Subject to availability at participating dealers for vehicle orders placed before 30/09/2024. Terms and conditions apply. Applicants must be 18 or over. Guarantee/Indemnity may be required. Volvo Car Financial Services UK Ltd, SL6 4FL. Retail offer only. Excludes fleet operators and business users.
With a Personal Contract Purchase plan, your regular monthly payments are low because a significant proportion of the Total Amount Payable is repayable at the end of the agreement by one large repayment.
^Manufacturer contribution can consist of a contribution towards the cash price and a contribution towards the deposit.
At the end of the agreement there are three options: i) pay the optional final payment and own the vehicle; ii) return the vehicle: subject to excess mileage and fair wear and tear, charges may apply; or iii) replace: part exchange the vehicle.
Personal Contract Hire Offers terms and conditions
Terms and conditions apply: *Finance based on a Volvo Personal Contract Hire agreement for a XC40 Core, B3 Mild hybrid, Petrol (2025) with an initial rental provided by Santander Consumer Finance trading as Volvo Car Financial Services, RH1 1SR. 18s and over, subject to status. Terms and conditions apply. Contract term 48 months. Contract mileage 8,000 per annum. You will not own the vehicle and it must be returned in good condition to avoid further charges. Subject to availability at participating dealers for vehicle orders placed before 30/06/2024. Not available with other promotions. Excess mileage will be charged at 14.9p per mile. Provided by Volvo Car Financial Services UK Ltd, SL6 4FL.
Listers Group and its Appointed Representatives are Credit Brokers and not Credit Lenders. We are not independent as we have contractual relationships with a limited number of lenders. Our approach is to introduce you, in the first instance, to the relevant dealership manufacturer supporting finance company. If they are not able to make you a finance offer, where we are permitted to do so, we will submit a proposal to one of our independent finance providers. We do choose from a panel of lenders but do not conduct a market appraisal. Please contact us for a list of our finance providers.
In the event that none of our lenders are unable to provide credit, we will refer you to a broker to attempt to source credit for you. Note, however, the available terms from this broker may well be inferior to the two lenders we initially introduced to you.
We do not act on behalf of either the lender or the customer when making our introduction. We offer a non-advised service. We cannot advise or provide any recommendation. We will provide you with sufficient information on the lender’s financial products, but it is for you to decide whether the finance product you choose is right for you. The decision as to whether to enter into any credit agreement on the terms offered is yours.
Volvo New Vehicle Sales Only
We do not act on behalf of the lender or the customer regarding new Volvo vehicle sales and do not receive any commission.
COMMISSION DISCLOSURE
Consumer Credit - We do not charge you a fee for any of the financial services we provide. We will receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing.
Commission arrangements with our lenders have been negotiated and agreed in advance and set by the Lender. We do not have any discretion to negotiate or adjust your interest rate, APR or any other item included in the total charge for credit. The interest rate and/or APR offered to you may vary according to the age of the vehicle you purchase and/or the amount you borrow.
Consumer Hire - All lenders set their own policies regarding commission arrangements and typically the amount will be capped at a percentage of the tax list price of the vehicle or maybe pre-set but can vary and may impact the amount you pay. The higher the amount of commission, the more you will pay to hire your vehicle.
If you are an individual, sole trader or small partnership and we are arranging a credit agreement or a consumer hire agreement for you which is regulated under the Consumer Credit Act 1974, you have a right to ask us to disclose the income or likely amount that we will receive for arranging finance for you in good time before entering into the agreement. If you would like us to disclose any potential commission prior to you entering into the agreement, please make your request to commissiondisclosurerequests@listers.co.uk. We do not charge you a fee for any of the financial services we provide.