Used Car Finance in Swansea
Navigating used car finance in Swansea can be straightforward. Opt for flexible finance options tailored to your budget, ensuring you can drive away with your ideal car without the upfront cost. Local dealers offer competitive rates and personalised plans, making it easier to manage your payments over time. Always compare offers to secure the best deal.
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 Used Cars In Swansea?
We offer a variety of finance options including Hire Purchase (HP), Personal Contract Purchase (PCP), and leasing agreements to suit different budgets and preferences.
Can I Apply For Car Finance If I Have A Poor Credit History?
Yes, we work with several lenders who specialise in providing finance for individuals with a range of credit histories. We encourage you to apply as we assess each application individually.
What Is The Process For Applying For Car Finance At Your Dealership?
The process is straightforward. First, choose the car you are interested in, then complete our simple online finance application form. Once submitted, we'll review your application and get back to you with the options available.
How Quickly Can I Get Approved For Car Finance?
Approval times can vary, but we aim to get back to you within 24 to 48 hours after you submit your application.
Are There Any Fees Or Charges Associated With Car Finance?
We are transparent about any fees or charges that may apply. These will be clearly outlined in your finance agreement. Typically, this may include administration fees or charges related to early repayment, if applicable.
Can I Use A Part Exchange As A Deposit For My Car Finance?
Absolutely, we accept part exchanges as a deposit. The value of your current vehicle can be assessed and used towards the deposit for your new car, potentially lowering your monthly payments.