New Car Finance in Cardigan

Navigating new car finance in Cardigan can be straightforward. Whether you're eyeing a sleek electric van or a family-friendly car, various finance options like loans, leasing, or PCP (Personal Contract Purchase) are available to suit your budget and lifestyle. Always compare offers to find the best deal for your needs.

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Typical Representative Finance Example

Product Hire Purchase	Cash Price £15,995.00
Total Deposit £1,599.50	Total Amount of Credit £14,395.50
First Payment £302.19	58 Monthly Payments £302.19
Final Payment £302.19	Agreement Duration 60 months
Admin Fee £0.00	Option to Purchase Fee £0.00
Interest Charges £3,735.90	Total Amount Payable £19,730.90
Annual Fixed Interest Rate 5.19%	Representative APR 9.90%

Product Hire Purchase	Cash Price £15,995.00	Total Deposit £1,599.50	Total Amount of Credit £14,395.50	First Payment £302.19
58 Monthly Payments £302.19	Final Payment £302.19	Agreement Duration 60 months	Admin Fee £0.00	Option to Purchase Fee £0.00
Interest Charges £3,735.90	Total Amount Payable £19,730.90	Annual Fixed Interest Rate 5.19%	Representative APR 9.90%

Product Hire Purchase	Cash Price £15,995.00	Total Deposit £1,599.50	Total Amount of Credit £14,395.50	First Payment £302.19	58 Monthly Payments £302.19	Final Payment £302.19
Agreement Duration 60 months	Admin Fee £0.00	Option to Purchase Fee £0.00	Interest Charges £3,735.90	Total Amount Payable £19,730.90	Annual Fixed Interest Rate 5.19%	Representative APR 9.90%

What Finance Options Are Available For Purchasing A New Car In Cardigan?

We offer a variety of finance options including Personal Contract Purchase (PCP), Hire Purchase (HP), and leasing agreements. Each option has its benefits, and our finance experts are here to help you choose the best one for your needs.

Can I Apply For Car Finance If I Have A Poor Credit History?

Yes, you can still apply for car finance with a poor credit history. We work with several lenders who specialise in providing finance to individuals with various credit backgrounds. We recommend discussing your situation with our finance team to explore the most suitable options.

What Documents Do I Need To Provide When Applying For Car Finance?

Typically, you will need to provide proof of identity (such as a passport or driving licence), proof of address (like a recent utility bill or bank statement), and proof of income (such as payslips or tax returns). Additional documents may be required depending on your specific circumstances.

How Long Does The Finance Approval Process Take?

The finance approval process can vary, but we aim to complete initial assessments within 24 to 48 hours. The duration can depend on the completeness of the information provided and the specific requirements of the lenders.

Can I Use A Part Exchange As A Deposit For My New Car Finance?

Absolutely, part exchanges are a popular option for providing a deposit on new car finance. We can assess the value of your current vehicle and apply this towards your deposit, potentially lowering your monthly payments.

Are There Any Restrictions On The Type Of Cars I Can Purchase With Finance In Cardigan?

Generally, there are no specific restrictions on the type of cars you can purchase with finance. However, some lenders may have limitations based on the age or mileage of the vehicle. Our team can provide guidance on any such restrictions and help you find a suitable vehicle that meets your needs and finance criteria.