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Defender

FREQUENTLY ASKED QUESTIONS

FAQs

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FAQs -

  • There are a range of Land Rover Financial Services products available. See our easy-to-digest Financial Services guides for more information and help in finding the right agreement for you.


     

    Land Rover Financial Services are subject to status and are only available to UK residents aged 18 and over.

  • Your retailer will be able to discuss the information and any documentation you need to provide prior to completing an application for credit.


     

    Land Rover Financial Services are subject to status and are only available to UK residents aged 18 and over.

  • There are a range of Land Rover Financial Services products available that may be suitable for you, including Personal Contract Purchase (Land Rover Freedom PCP), Hire Purchase, Advanced Payment Plan, Balloon Hire Purchase and Business Contract Hire.


     

    For more information and to help you decide which product is right for you, see our Financial Services guides.

  • A credit agreement is a legally-binding contract between you (the customer) and the finance company. It must include details of the agreement amount, the term, rates of interest, other charges and your rights and responsibilities for the duration of the agreement. You will receive a copy of the agreement you have entered into.


     

    You can make additional lump sum payments to reduce your balance or settle your agreement at any time. We will provide you with a settlement quotation on request.


     

    You can part exchange your vehicle at any time subject to settling the outstanding finance. New credit agreements are subject to status.


     

    You also have a right to end the agreement by giving us written notice. If you do so you must immediately return the vehicle to us and make any payments detailed in the ‘Termination: Your Rights’ section of your credit agreement. Any new agreement is subject to status.

  • Yes – you can part exchange your vehicle at any time subject to settling the outstanding finance. New credit agreements are subject to status.


     

    You can find easy-to-understand information about each type of credit agreement we offer in our online Financial Services guides.

  • There are a range of Financial Services products available for our models that may be suitable for you. See our Financial Services guide for more details.


     

    Land Rover Financial Services are subject to status and are only available to UK residents aged 18 and over.

  • You can receive a personalised, indicative finance quotation using our Finance Calculator. The calculator allows you to select your desired model, type of finance plan and factors such as length of agreement and amount of deposit you wish to pay. You will then receive a quote with a breakdown of payment details.


     

    Alternatively, you can speak to your retailer.
  • We’ll keep you up to date with an annual statement or you can request a statement any time by calling call 0344 824 4732.
  • You may be comparing it to the finance amount when you took out the agreement which does not include the interest amount. The current balance figure we quote here includes any interest and might also include fees and charges you have incurred during the agreement’s lifetime.
  • This is the amount we require to pay off your agreement in full and will usually include a rebate. It is likely that this figure will be lower than the current balance. To find out how much you owe, call 0344 824 4732.
  • To ensure that you pay off the correct amount, obtain an up to date settlement figure. From here you will have the option to settle. We accept all major Debit Cards and you can also send us a cheque or set up a bank transfer.
  • It is very important that you keep up with your agreed payments.


     

    Missed payments usually incur a fee, and could result in serious legal proceedings being brought against you. If you miss a payment, it may affect your record with credit reference agencies and make it more difficult to obtain credit in the future.


     

    Ultimately, your vehicle is at risk of repossession if you do not maintain your payments. Legal proceedings may be issued against you and a charging order (or, in Scotland, an inhibition) obtained. This could entitle the creditor to proceeds from the future sale of your home, or the creditor may even obtain an order to repossess your home or other property, and you could be responsible for the associated costs of such proceedings.


     

    For further information please refer to the terms and conditions of your agreement.

  • If you are having difficulties with payments please contact us as soon as possible. We are easy to talk to and will do our best to find a way to help you. Just call 0344 824 4734 and we will discuss your options.
  • Yes – of course, you can choose any date within 30 days of your current payment date. However, you may be charged interest for making this change and we only allow one change every 12 months. You cannot change your payment date if the direct debit is calling.
  • The amount that you have been asked to pay relates to the additional interest you have accrued as a result of extending the length of your agreement from that which was originally agreed. The interest has been calculated at your originally agreed rate.
  • There are several ways to end your credit agreement before the end of the agreed term.


     

    You can make additional lump sum payments to reduce your balance or settle your agreement at any time. We will provide you with a settlement quotation on request.


     

    You can part exchange your vehicle at any time, subject to settling the outstanding finance. New credit agreements are subject to status.


     

    You also have a right to end the agreement by giving us written notice. If you do so you must immediately return the vehicle to us and make any payments detailed in the ‘Termination: Your Rights’ section of your credit agreement.

  • No – Land Rover Financial Services will retain ownership of the vehicle until all the payments including the Final Payment and Purchase Fee have been made.


     

    If you decide you wish to own the vehicle you pay the Final Payment and Purchase Fee and title of the vehicle will transfer to you. You are only able to sell the vehicle once the title has transferred to you.

  • Any application and subsequent agreement for credit is subject to status. A credit agreement is a legally-binding contract between you (the customer) and the finance company.


     

    You should be sure that you can afford the repayments before entering into a credit agreement. To assess your ability to make payments, you can receive a personalised, indicative finance quotation using our Finance Calculator.

  • Flat rate calculation takes the balance financed and multiplies this by an interest rate for each year of the agreement.


     

    The APR shows the yearly rate of interest on your agreement as if interest was being calculated on a monthly basis on a reducing balance. The rate is adjusted to include any charges or fees you are expected to pay under your agreement. The APR also provides you with a like for like way of comparing the cost of different finance agreements.

  • Contact the retailer where you bought your goods from and we'll work with them to make sure your paperwork and any mistakes are put right as quickly as possible.
  • You’ll either see ‘Land Rover Financial Services’ or your finance agreement number (The name of where you made your purchase won’t show).
  • Looking after our customers’ needs and providing excellent service is very important to Land Rover Financial Services. But sometimes, things can go wrong. If this happens to you, please let us know by telephoning 0344 824 4732 and we’ll do our best to help.


     

    However, if we can’t resolve your problem, we will advise you of how you can take things further. This may include providing details of the Financial Ombudsman Service.