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From PCP to HP

There are many options when it comes to funding your next car, van or bike and we want to make sure you can choose one with confidence.  If you’re looking to spread the cost of your payments over a number of years, finance could be a good option for you.

January 1st 2019 info

Here’s a little breakdown of what that means…

Our trusted dealers are on hand to guide you through the finance options available and help you find the best option for you. You can choose from a number of competitive finance options, but here are the two most popular types of finance explained:

Personal Contract Purchase (PCP)

PCP secures a loan against the vehicle. This gives you the option to buy, replace or return the vehicle at the end of the agreement. You will need to pay a final lump sum known as a ‘balloon payment’ at the end of the agreement if you wish to keep the vehicle; this is calculated based on the worth of the vehicle.

Hire Purchase (HP)

HP secures your finance agreement against the vehicle. Your monthly payments include the cost of the vehicle, plus interest and any admin fees, so once you’ve completed all your payments, you’ll own the car outright.

A bit about MotoNovo Finance

findandfund is powered by MotoNovo Finance, who offer vehicle finance through their trusted dealer partners. This means instead of buying the vehicle outright yourself, MotoNovo will purchase it from the dealer and you will make monthly repayments to MotoNovo over a period of time, according to your agreement. MotoNovo have been in the business for over 40 years and have a fantastic reputation, so you can rest assured that you’re in good hands. Visit TrustPilot for customer reviews!

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