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Motor Vehicle Finance

For 90 years The Brindley Group have helped their customers drive the car of their choice and sometimes their dreams with cost effective finance solutions. Find out more about motor vehicle finance below or enquire with us today.
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Car Finance Options

Embracing all current consumer regulations we work with a small number of high quality organisations providing affordable finance, insurance and vehicle protection products. Whether you wish to buy a new or used car at The Brindley Group, we provide competitive car finance packages which can be tailored to you, easy to understand and free from jargon. Our onsite finance specialists are linked to all our partners via the latest technologies and our processes are designed to ensure a quick, smooth experience is achieved, from getting your car finance approved to concluding all paperwork. Dealer finance provides additional Consumer Rights that using either a bank or your savings don’t and with interest rates Fixed at the outset your monthly instalments will not change during the currency of the agreement.

All our showroom teams are trained and accredited to qualify any customer’s needs and to supply a personalised quotation allowing an informed choice to be made. Let’s clear some of the jargon for you.

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 Find a Vehicle Use our search functions across the website to find your perfect vehicle, whether you’re looking for a city hatchback or a family SUV from leading brands like Kia, Volvo and Hyundai.
Apply for Finance Once you’re happy with your choice, you can apply for one of our finance options, including Personal Contract Purchase, Hire Purchase or Personal Contract Hire, depending on your circumstances and budget.
Sign Credit Agreement Your credit agreement will set out the details of the loan, including the term, interest and other important information. You will also receive a copy of this.
Book Car Handover It’s time to get the keys! We will book in your car handover for a convenient and hassle-free process. You have the option to collect your car from the dealership or have it delivered to you.

The Difference between HP and PCP

 HP Available on all new and used cars, this flexible finance plan will spread the cost of acquiring your car over 24 to 60 months. Whilst a deposit is normally required, subject to status, our panel of lenders will advance up to 100% of the purchase price of your car. At the end of the agreement, assuming all repayments have been made the car is yours on payment of a £10 Option to Purchase Fee. The plans themselves are flexible, and able to have either full or partial settlements made at any point during the agreement. Under a Personal Contract Purchase agreement, you can also pay a settlement fee for bringing the agreement to an end early. After that, you can choose to hand the car back or you have a second option. Through a PCP agreement, you can take full ownership of the car by paying off the remaining Guaranteed Minimum Future Value also known as a balloon payment.
PCP Available on new and a majority of used cars, this popular financing option has been around for almost 40 years and has 2 characteristics that make it unique from other forms of financing. The first is the Guaranteed Future Value (GFV). A car’s GFV is calculated by the finance company based on your anticipated mileage. This amount is deducted from the cash price of the car and deferred to the end of the agreement as the Final Payment. The customer makes payments based on the difference between the cash price (less any deposit paid when the agreement is set up) and the final payment. These payments will always be lower than any other form of purchase agreement over the same term. The second unique characteristic is what happens at the end of the agreement; with 3 choices available.
RETAIN. RETURN. RENEW.

Benefits of Finance with Brindley

Whether you’re looking for a new or used car, here at Brindley Group we can offer car finance packages that are tailored to you. Our showroom teams are trained and accredited, to help you access the best package for your needs.


Disclosure

W Brindley (Garages) Limited, Brincars Limited, W Brindley Garages (Cannock) Limited Central Car Clearance LLP; dealerships act as a credit brokers in arranging finance for vehicle transactions. We are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number(s) are 689220, 688824, 688878, 688893 respectively. We will provide you with information and explanations about the finance products that may be available to you. No recommendation will be made; you must make an informed choice whether the finance product is right for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you. We are not independent financial advisers and so are unable to provide you with independent financial advice. We are, however, independent of the funders and brokers we work with.

You do not have to pay us for our services. However, a funder or broker we work with will typically pay us for introducing you to them. Different funders/brokers pay us different amounts, but it will typically be based on a fixed percentage of the amount borrowed.
For your reassurance, we are not able to change the interest rate you pay in order to receive more commission from a particular broker or funder. Although commissions may vary between our finance partners, our aim is always to secure finance allowing you to make an informed choice.

For more information and to see our FAQ’s click here

 Competitive Rates At Brindley Group we work with high quality organisations providing affordable finance. Dealer finance provides additional Consumer Rights that using either a bank or your savings don’t, and with interest rates fixed at the outset your monthly instalments will not change during the currency of the agreement.
Simple & Easy Our processes are designed to ensure a smooth and hassle-free experience, from finding the right vehicle to getting the keys. We can provide personalised quotations so that you can make an informed decision.
Instant Decision Receiving an instant decision on your application can provide peace of mind and avoid any delays.

Part Exchange

At Brindley Group we can offer part exchange for your current vehicle, including valuations. Find out what your vehicle is worth and get a quote today.​

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Free Credit Check

We can arrange a free credit check to understand your current finances and obtain personalised offers for you. This is an important part of lenders understanding your financial situation. Find out more out credit checks and the application process here. Find Out More

Cars Available on Finance

At Brindley we offer a wide range of vehicles from the leading manufacturers, including Honda, MG, Kia and Volvo. Whether you’re looking for a new or used vehicle, we can help you find the right finance package to help make your next car an affordable choice. Enquire Now

Frequently Asked Questions​

What are the advantages of HP?

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  • You’ll be able to drive away a car that you may not have managed to buy outright.
  • Unlike a PCP or PCH contract, you won't need to estimate your mileage at the start of your Hire Purchase agreement, so you'll avoid excess mileage charges.
  • Once you’ve made your final monthly payment, including the option to purchase fee, you'll have full ownership of the car.

What should you consider when opting for HP?

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  • Monthly payments may be higher than some other car finance options, such as PCP, as you're paying off the full value of the car.
  • You won’t be able to sell the car without settling the finance.
  • You won’t own the car until you have made all of your repayments.
  • You’ll need to keep the car properly insured, maintained and in your possession until the full value is paid off.

Can I settle my HP agreement early?

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For a Hire Purchase agreement, there is an option of paying it off early through a settlement fee. A settlement fee covers the cost of any remaining unpaid instalments and interest payments remaining on the agreement. Once the settlement fee is paid, you take full ownership of the car early.​

How long does a PCP Agreement term last?

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Personal Contract Purchase is similar to Hire Purchase agreement as you will usually pay an initial deposit, followed by monthly instalments over a term typically between 24 to 48 months.​​

What are the advantages of PCP?

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  • Monthly payments on a car financed by PCP are usually lower than if your car is financed by a Hire Purchase agreement over the same period.
  • If you decide not to buy the car, you can simply walk away when you've made all the payments.
  • Similar to PCH, you can drive away a new car every few years (dependent on the chosen term) without worrying about selling it on.
  • If your car is worth more than the Guaranteed Future Value then you can use that equity towards a deposit on a new car.

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What should you consider when opting for a PCP?

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  • If you want to buy the car you will need to pay your final balloon payment (the Guaranteed Future Value).
  • Similar to PCH, you will need to agree on a mileage allowance at the beginning of your contract and there may be excess mileage charges if you exceed this.
  • You won’t be able to sell the car without settling the finance.
  • You won’t own the car until you have made all of your repayments.
  • You’ll need to keep the car properly insured, maintained and in your possession until the full value is paid off.

Can I settle my PCP agreement early?

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You can normally settle your agreement early by asking the finance company to provide you with a settlement figure. However, the finance company will require you to pay off the difference between what your car is worth, and what you still owe and there may be a difference which is known as negative equity. On the other hand, you may find that at the end of your term your car is worth more than the Guaranteed Future Value, which means you will have some positive equity to contribute towards your next car.

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