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FINANCE AT HUTTONS LTD

FINANCE AT HUTTONS LTD

Finance Enquiry

At Huttons we offer a range of finance options to aid with the purchase of your new vehicle. A few of these options are explained below:

Hire Purchase

You pay a deposit and pay off the value of the car in monthly instalments, with the loan being secured against the car. This means you don't own the vehicle until the last payment is made.

Personal Contract Purchase (PCP)

This is the most popular way to finance a car and is essentially a long-term loan agreement. Monthly repayments tend to be lower and then at the end of a fixed term you have a range of options:

- Return the car.

- Pay the final ‘balloon’ payment and own the vehicle outright.

- Put the resale value of the car towards getting another car.

This form of finance is ideal if you like to change your vehicle every few years.

Personal Contract Hire (PCH)

A hassle-free approach to vehicle finance. This type of finance is a long-term lease of up to four years where you simply return the car at the end of the period. It means there is no obligation at the end of the contact – You walk away and start again.

Huttons Ltd 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 {Full legal entity name plus any trading name(s)} to act as a credit broker, not 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 are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes CA Finance plc. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor.

Our approach is to introduce you first to CA Finance plc, 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 most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives and which you are eligible for from our panel of lenders. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and CA Finance plc 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; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required. £90 administration fee applies to all used car sales.

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VAT Number - 586280706 | Company Number - 2538335 | FCA Number - 415348

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