Car Finance at Wessex Garages

Bristol, Gloucester & South Wales


We understand that most people don’t have thousands of pounds burning a hole in their back pocket, so we offer flexible and affordable finance options to make driving a new or used car easier and more affordable.

These are designed to help you make the most of your personal budget, making things affordable on an ongoing basis.

There are several types of finance you can choose from, and our friendly staff are on hand to help you identify the one that makes most sense for your circumstances.

PERSONAL CONTRACT PURCHASE

Similar to a Conditional Sale agreement but with additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment.

Watch the product explanation video of Santander Finance Conditional Sale and Personal Contact Purchase.

READ MORE >ENQUIRE NOW >

Personal Contract Purchase Finance

CONDITIONAL SALE (Hire Purchase)

After paying the initial deposit you make regular monthly payments to cover the amount borrowed plus any interest and fee. The interest rate is fixed which means you’ll know exactly how much you will repay throughout the term of the agreement. Once all of the payments have been paid the car is yours

Watch the product explanation video of Santander Consumer Finance Conditional Sale.

READ MORE >ENQUIRE NOW >

Conditiona Sale Finance

PERSONAL CONTRACT HIRE and CONTRACT HIRE (Business Customers)

  • We will structure a Personal Contract Hire/Contract Hire agreement to meet your needs based on the car, estimated annual mileage, the agreement duration and any additional services you require.
  • An initial rental equivalent to between 3 and 6 monthly rentals may be required after which you pay the agreed monthly rental until the end of the contract
  • At the end of the contract, you simply return the vehicle

    Watch the product explanation video of Santander Consumer Finance Personal Contract Hire.

    READ MORE >​ ENQUIRE NOW >

    CONTRACT HIRE

    LEASE PURCHASE (Business Customers)

  • We will structure the agreement to meet your requirements based on the car, the agreement duration, your deposit and your monthly budget
  • After paying the deposit you make regular monthly payments to cover the amount borrowed plus any interest and fees
  • The interest rate is fixed which means you’ll know exactly how much you will repay throughout the term of the agreement
  • At the end of the repayment period, you will become the legal owner of the car providing all payments have been made
  • READ MORE >ENQUIRE NOW >

    LEASE PURCHASE


    Contact a member of the team at your local dealership to get additional information.




    These newly standardised rates mean several things:


    They’re easier to understand (and for us to explain!)

    • There are no set-up fees or ‘admin charges’.

    • You won’t have to negotiate to get the best rate – everyone gets the same great deal.

    • There’s no difference in rate between PCP and HP plans – so nobody’s circumstances are penalised.


    Watch our video: Why finance through a dealership?

    Car finance is now regulated by the Financial Conduct Authority with a fixed APR, providing peace of mind that everyone is getting a fair deal no matter which of our dealerships you visit. This comes coupled with our company pillars of Trust, Transparency and Value.


    FCA - What it is and how it benefits you

    FCA

    Finance Options