Motor Vehicle Finance

Motor Vehicle Finance at Brindley

For over 85 years Brindley Garages Group have helped their customers drive the car of their choice and sometimes their dreams with cost effective finance solutions. 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 Brindley Garages Group, we provide competitive 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 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.

Finance products overview

Personal Contract Purchase (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. These are:-

  • RETAIN the car.  By simply paying the Final Payment (there is a £10 Option to Purchase Fee) and the vehicle is yours.
  • RETURN the car.  Should the vehicle’s value not match the Final Payment, then subject to certain mileage and condition clauses you may hand the vehicle back to the finance company
  • RENEW your vehicle.  With the Final Payment deducted from the Part Exchange valuation and any excess being used as a deposit against your next new car.

Hire Purchase (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.

Personal Contract Hire (PCH)

Available on new cars, this is a long term rental plan. The car is the property of the leasing company who therefore bear any depreciation costs with you paying fixed rentals for an agreed period and mileage. At the end of the agreement, subject to mileage and condition, the car is returned to the leasing company. All these rental agreements include the cost of annual road fund licence, and servicing and maintenance can be added ensuring fixed budgeted motoring.

Insurance and protection products overview

Combined GAP/RTI Available on New and Used cars up to 7 years old. Your new car is likely to be (after your house) the second most valuable asset you will acquire. Motoring law requires that your car is insured, and assuming you will have and maintain Comprehensive Cover; what if due to accident, fire, flood or theft your motor insurance company declares your vehicle a write-off? The insurance company would pay out a ‘fair market value’ as at the time of the Total Loss and NOT the original vehicle cost. If you did use a finance plan to acquire the vehicle, the settlement figure required by the finance company could in fact be higher than the original invoice value. Combined GAP/RTI will pay out the higher of the difference between the insurance company market value settlement and either the original invoice amount* or the finance company settlement figure. This puts you back in a position to acquire a replacement car of similar/same value. One upfront premium will cover between 2 and 4 years *(includes up to £1500 of manufacturer approved extras, £250 of any insurance excess, but excludes New vehicle Registration fee, fuel, paintwork and/or upholstery protection products, insurance premiums including the premium for this product and any negative equity)

Paint and Upholstery protection. Available on New and Used cars and supplied via Diamondbrite

Exterior Protection: Due to environmental demands, car manufacturers now have to use water based paints. Whilst being environmentally safe, they are prone to fading and oxidization. Diamondbrite’s products are made from refined rock oils that are formulated into a 2 stage process so that each product compliments the next and builds up to create a tough durable glaze. The entire process when carried out by our approved on site applicator is covered by a guarantee from the date the product is applied. The hard, high gloss protective skin that’s created prevents road salts, traffic film, acid rain, tree sap, insect fluid and other atmospheric pollutants from contacting directly with your car’s paintwork. In addition to the product itself each application comes with a guarantee which gives cover against colour fading, as well as from damage caused by bird droppings ( if washed off within 7 days). Once treated, you'll never have to polish your car again. Your vehicle will look as good as it did when it left the showroom, thereby improving its resale value. Another major benefit of the high gloss finish is the ease with which dirt and grime is washed off the paintwork.

Interior Protection: During the Fabric Protection process each fibre is coated with an invisible resin based material. After treatment your fabric will be guaranteed against normal everyday spills and stains. Fabric Protection has been successfully tested with tea, coffee, hot chocolate, alcohol, milk, fruit juices, cola, fizzy drinks, chocolate and grease from foodstuffs. All of these were repelled by the treated fabric and either passed straight through the weave without staining or beaded up allowing an easy wipe away. Carpets take so much abuse that often simple vacuuming isn’t enough. Fabric Protection seals the base and surface fibres to enable dirt and grime including dog hairs to be more easily removed. Leather Protection seals the hide but allows it to breathe. Leather Guard protects against stains, dirt and liquid spills at the same time moisturising the leather to retain that supple natural look and feel.


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