Finance with UK Sports & Prestige
Used Cars in Harrogate, North Yorkshire

With many years experience, we have sourced millions of pounds worth of finance for vehicles we have sold, establish relationship with independent and Francise suppliers and have a in-depth understanding of the finance process.

We create perfect solutions by combining our passion for the product with our knowledge of the market allowing our customers to concentrate on the purchase, while we focus on creating the perfect finance deal.

FROM OUR FAST RESPONSE TIMES TO ENTHUSIASTIC AND EXPERT ADVICE, THE QUALITY OF OUR SERVICE IS SECOND TO NONE.

Our Finance Packages include:

Hire purchase is a simple, straightforward way to spread the cost of buying a new car. It's fixed rate finance - with a fixed monthly payment.

The deposit you pay is flexible - typically between 0-50% of the vehicle cost. The remaining balance, plus fixed interest, is repaid in equal instalments over an agreed period (12-60 months).

Why consider Hire Purchase?

  • Low deposit - keeps valuable personal or business cash available
  • Control - you decide the deposit, you decide the term
  • Fixed monthly payment - perfect for budgeting
  • Flexibility - doesn't compromise your other lines of credit
  • Assets - you gain vehicle ownership
  • Tax benefits - Tax allowances for business users
  • VAT free - no VAT on payments

Personal Contract Purchase is highly attractive and increasingly popular. It combines low, fixed monthly payments with exceptional flexibility at the end of the agreement.

Your car's guaranteed future value is calculated (based on agreed mileage and age) and becomes deferred as a final payment (balloon).

PCP is ideal if you're opting out of a company car scheme. You use your company car allowance to fund your PCP monthly payments without paying company car tax.

Crucially, you don't commit to buying the car at the outset. Instead, you use it for 24-48 months, deciding at the end of the agreement what you want to do. Either:

  • Buy the car by paying an agreed minimum residual value
  • Part-exchange the vehicle for another
  • Sell the vehicle privately (settling the balloon)
  • Or, subject to mileage and condition, return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)

Hire purchase with a balloon offers lower monthly payments than normal hire purchase. Instead, at the end of the agreement, you can make a final lump sum payment (or 'balloon') to own your car.

It's fixed rate finance - but with a lower fixed monthly outlay since you defer repayment of some of the borrowing. At the end of the agreement options include car purchase, refinance, part exchange or resale.

The deposit you pay is flexible - typically between 0-50% of the vehicle cost. The deferred balloon element is calculated on the estimated future resale value of the car.

The difference, plus fixed interest, is repaid in equal instalments over an agreed period (maximum period of 48 months), plus a final balloon payment.

Why consider Hire Purchase with balloon?

  • Low deposit - keeps valuable personal or business cash available
  • Lower fixed monthly payments - perfect for budgeting
  • A better car - lower payments can help you choose a higher specification car
  • Flexibility - does not compromise your other lines of credit
  • Assets - you gain vehicle ownership
  • Tax benefits - Tax allowances for business users
  • VAT free - no VAT on payment

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