Your finance options
We'll talk to you about your options - we won't sign you up for anything without your agreement.
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This tool allows you to get a better idea on how much you'll be spending per month on new & used vehicle payments. Simply enter your loan terms to get an estimated monthly payment.
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What's a PCP? (Personal Contract Purchase)
The value of the car at the end of the contract is calculated at the start of the agreement and this value is deferred. This deferred sum is usually referred to as the Guaranteed Minimum Future Value (GMFV) and is based on a number of factors including how old the car will be at the end of the agreement and how many miles it is expected to have covered.
What's a Lease Purchase?
Lease Purchase involves regular payments similar to a lease/rental agreement, except you’ll own the car at the end of the deal. You may be asked to pay a number of monthly payments at the start of your agreement (referred to as advance payments) and a sum is usually deferred to the end of the deal. It can be a good option for vehicles with a strong residual value.
What's hire purchase?
Hire Purchase is a simple and well-established way to fund your new car. You pay fixed monthly amounts for a period which you can choose, usually between 12 & 60 months. Once you've made all the payments the car is yours, it's as simple as that.
What's contract hire?
Personal contract hire is available for private individuals and business contract hire unsurprisingly is for businesses only. The difference is that businesses are able to claim back some of the VAT payable. With these lease agreements you pay an upfront cost equivalent to 3-9 monthly payments, pay a fixed monthly sum over an agreed term the simply hand the car back. Maintenance can be included in the monthly payments for easy budgeting.
What’s a personal loan?
Under a personal loan agreement, you immediately become the owner of the car, but will need to continue repaying the lender until the loan amount is paid off in full. Because the loan is personal, it's not secured against the vehicle, so you won’t have the option to hand the car back if you can’t afford the loan payments.
Bank beating finance?
There are always some great finance deals available, supported by the 14 vehicle brands we represent. Flexible low rate deals and bank beating 0% APR finance are often available on selected models – just contact us to find out more.
Because we’re a national dealer group, we can use our size to get you a highly competitive finance rate from a wide panel of trusted lenders. Our finance experts are always on hand to talk over the options with you in plain English.
Car finance made easy
We're here to make your car buying journey easy, and that includes the finance. We've been helping people drive away their perfect car since 1908, so you're in good hands.
Our vehicles are prepared thoroughly and ready to go. We make finance as simple and straightforward as possible, getting you in your new car more quickly.
Good credit? bad credit?
Things don't always go to plan in life, but with so many different finance options available from Perrys, more than 8 out of 10 applications are successful.
Whatever your circumstances, we'll help you find the finance agreement that’s perfect for you and help get you back on track. If you've had trouble arranging your finance, try our Problems Getting Finance Page.
Finance deals supported by the manufacturers
Look out for 0% APR deals and deposit contributions available on selected models. A deposit contribution is where the manufacturer or Perrys will make a contribution towards the deposit of your finance agreement to lower your payments. There are some great opportunities to get into an even better car than you thought you could afford.
Authorised & regulated by the FCA (Financial Conduct Authority)
The FCA ensure that firms stick to the rules and ensure that customers don't fall victims to scams or get tied to unfair contracts. Perrys take finance very seriously and it's a passion for us to get the right car to the right person with the right agreement. If we get that right… there's a good chance we'll see you again!