OUR PRODUCTS

* Some exceptions apply.

** Promotional offer terms may vary.

*** Some exceptions apply.

**** VAT and Vehicle Excise Duty are charged at the prevailing rate and may vary during the life of the agreement.

x
H P P C P A P P P C H BCH
New and used vehicles Yes Yes* Available for vehicles up to 3 months old New only New only
Minimum finance advance Typically £2000** Typically £2000** No No No
Length of agreement From 1-5 years** From 1-4 years** 1-3 years** From 2-5 years 2-5 years
Deposit/initial rental required Yes
£0 deposit may be available
Yes
£0 deposit may be available
Deposit is the total price less the deferred optional final repayment plus any interest applicable Yes
Typical initial payment of between 1 and 12 rentals or lump sum amount
Yes
Typical initial payment of between 1 and 12 rentals or lump sum amount
Fixed monthly repayments Yes Yes No monthly repayments Yes**** Yes****
Optional final repayment No Yes Yes No No
Maximum permitted age of car at agreement end Typically 14 years*** Typically 9 years 3 years Typically 5 years Typically 5 years
Ownership option at agreement end Yes Yes
After optional final repayment is paid
Yes
After optional final repayment is paid
No
Vehicle must be returned
No
Vehicle must be returned
End of contract goods return option No Yes
Return conditions apply
Yes
Return conditions apply
Yes
Return is compulsory Return conditions apply
Yes
Return is compulsory Return conditions apply
Mileage and condition restrictions/charges (if you exceed permitted maximum/ contracted mileage or the vehicle is not in good condition upon return) No Yes
Charges apply if you return the vehicle
Yes
Charges apply if you return the vehicle
Yes Yes
Ability to amend annual mileage in life No No No Yes
Subject to status
Yes
Subject to status
Voluntary termination (HP/ PCP/APP) Early termination (PCH/BCH) Yes
Return conditions apply
Yes
Return conditions apply
Yes
Return conditions apply
Yes
Return conditions apply
Yes
Return conditions apply
Early settlement option Yes Yes Yes N/A - see Early Termination Page 20 N/A - see Early Termination Page 24
Fully comprehensive insurance required Yes Yes Yes Yes Yes
Ability to amend monthly payment due date Yes
Once every 12 months
Yes
Once during the agreement
Yes
Once during the agreement
Yes
Subject to conditions
Yes
Subject to conditions
Optional maintenance packages available No No No Yes Yes