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.

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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.

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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.

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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

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Company info

Reg Office: Pennywell Road, Bristol, Avon, BS5 0TT

Reg. Company Number: 2639755

VAT Reg. No. 567778570

Financial Disclosure

Wessex Garages Holdings Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts as an intermediary. Wessex Garages Holdings Limited is authorised and regulated by the Financial Conduct Authority. FRN: 677024. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions. However, any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned.

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