Saved
Locations
Call
Menu

Contact

Close
Contact
Call Us
Back
You are here:
  • Homepage >
  • Unlocking your Finance options
Unlocking your Finance options Exploring Finance options online can be daunting but we’re here to help you find the right arrangement for you, be it HP, PCP or an alternative.
View Offers

Finance your next car with Brindley

Here at Brindley, we aim to make car ownership as affordable as possible. One of the best ways we’re able to do this is via car financing.

Finance your car online with Brindley in five easy steps.

  1. Browse our huge selection of new cars – with brands such as Honda, Hyundai, Kia, Mazda, Maxus, MG, Nissan and Volvo to choose from, you’ll have no problems finding your ideal vehicle. Alternatively, why not peruse more than 800 high-quality used cars at Brindley?
  2. Found a car you like? Great! Click on it and scroll down to our Finance Calculator. This will enable you to adjust your finance options to tailor a quote that suits your particular needs. While you’re here, you can factor in a part-exchange deal (if you’re looking to sell your current vehicle) and include any extras.
  3. Be sure to read and understand the terms of your prospective finance agreement – if you need any help or advice, please don’t hesitate to contact us.
  4. Now it’s time to apply for finance online.
  5. As soon as we’ve received your application, we’ll contact you to confirm your next steps, such as your preferred delivery date and time.
What is Personal Contract Purchase (PCP)?
PCP is a car financing solution that offers lower monthly payments than are available with a comparable loan or Hire Purchase agreement. It’s a popular form of car financing because it provides three options at the end of the contract:
● Own the car outright by paying the final optional payment
● Hand the car back by waiving the final optional payment, which means you’ll have nothing more to pay
● Start a new PCP agreement by putting the car’s resale value towards a brand-new vehicle The aforementioned final optional payment is the vehicle’s guaranteed minimum future value (GMFV), often referred to as a ‘balloon’ payment. It’s a figure that’s calculated by the lender at the start of the agreement and it represents how much the car is expected to be worth when the deal ends.

Will I be approved for Finance?

If you have a good credit score, almost certainly.​​

Can I get car finance even if I have bad credit?

It really depends on how bad your credit is. In most cases, people with bad credit are approved, albeit with higher rates of interest in some instances.​​

What is APR?

It stands for annual percentage rate and it includes interest and any additional fees.​​

What is the difference between a soft credit search and a hard credit search?

No matter how many times a soft credit search is conducted, it won’t affect your credit history. Hard credit searches, however, can have a negative impact if your credit score is less than perfect.

What is Hire Purchase (HP)?
Compared to PCP, HP is very straightforward, although it's similar in principle. As with PCP, you’ll need to pay a deposit, followed by fixed monthly instalments over an agreed length of time. When you’ve paid the final instalment, you own the car. With HP, monthly payments tend to be higher than with PCP because you’re paying off the cost of the car, not its depreciation.

Will I be approved for Finance?

If you have a good credit history, there’s no reason why not.​​

Can I get car finance even if I have bad credit?

With HP, you stand a better chance of getting car financing with bad credit than with HP. This is because the loan is secured against the car you choose. Please note: should you miss any payments, your car could be repossessed to settle your debt.​​

What is APR?

Annual percentage rate (APR) is a figure that combines interest and any administration costs. ​​

What is the difference between a soft credit search and a hard credit search?

Soft credit search – this is typically undertaken to ascertain your eligibility for finance.

Hard credit search – this is usually performed when you apply for finance.

We have trained finance specialists within all of our dealerships who pride themselves in offering outstanding customer service and assisting customers in finding the right funding solution to suit their pocket and individual circumstances.
With clear agreements and competitive finance packages available to suit your needs, we're confident we can help you get something special on your driveway.

Finding the right purchasing agreement is as important as selecting the right vehicle.

With this in mind, we have designed a number of attractive finance packages to make things that much easier.