Thinking of buying your car on finance?

Read some of our terms and conditions below and see our typical example.

Premier can introduce you to a limited number of lenders who may be able to finance your purchase, namely; Black Horse Finance, Finance Mitsubishi, GMAC Finance, Kia Motors Finance and Santander Consumer Finance. However, according to your wishes we may be able to introduce you to other lenders.  Finance is available subject to status, Terms and Conditions apply, guarantees/indemnities may be required, applicants must be over 18 years of age and resident in the UK.

We are a credit broker not a lender. we may receive a commission from the provider for the intoduction. You do not have to pay us for help with your finance agreement but a lender may pay us a commission for introducing you to them. We are not independent financial advisors and so are unable to provide you with financial advice. If you wish to make a complaint about any of our finance presentations, please contact us in the first instance by writing to Premier Automotive Ltd, Birch Lane, Dukinfield, Cheshire, SK16 5AP, or by telephoning us on 0161 343 2216. Or alternativley contact the finance provider selected .

A representative example of our used car 8.9% APR Personal Motor Loan deal as advertised on all our used cars this month; Cash Price of selected car £8,995, customer deposit or part exchange £4,495, Balance financed £4,000, payable by 60 monthly payments of £82.16, total credit price £9,436.60 which includes a £10 option to purchase fee, the APR is 8.9% and that is fixed for the duration of the loan. offered subject to status.

Types of finance available include;


You can keep your monthly payments lower by deferring a significant proportion of the amount of credit to the final payment at the end of the agreement. Agree an initial deposit, how many miles you are likely to travel each year and how long you want the agreement to run for and the dealer will then calculate the Guarenteed Future Value (GFV) of your vehicle and confirm your monthly payment. Premier will submit the finance application, and subject to being approved, you can then drive away.

Then at the end of the agreement you have 3 options

(1) Part exchange the vehicle subject to settlement of your existing finance agreement, new finance agreements are subject to status.

(2)Return the vehicle and not pay the lump sum payment. If the vehicle is in good condition and has not exceeded the allowed mileage you will have nothing further to pay. If the vehicle  has exceeded the allowed mileage a charge for excess mileage will apply.

(3) Pay the final lump sum payment to own the vehicle.

What you pay

You pay a flexible deposit on the car, from 0%. ( 0% deposit may be available subject to status). We obtain the guaranteed Future value from the finance company. You pay equal monthly payments over the chosen period. At the end of the agreement you have three final options:   Retain-  Return- or Renew

WHY CHOOSE PERSONAL CONTRACT PURCHASE ?  Personal Contract Purchase is a type of hire purchase agreement that lets you keep your options open. You Don’t need to decide now- if your circumstances change over the years you’ve got options.


Hire purchase could help you buy your dream car while spreading the cost. Agree an initial deposit with us, and your agreement term and monthly payment amount, then we will submit a finance application, and subject to the application being approved, you can drive away. And after you have made all the payments including the interest the car’s all yours.


Choose your car, and negotiate a deposit. The finance company buys the car on your behalf less any deposit that you have paid us. The remaining balance plus the interest is then paid over an agreed period of 1 to 5 years.   Set your payments to suit your budget- borrow any amount from £1,500 to £250,000.


You pay a flexible deposit on the car from 0% ( 0% deposit may be availble subject to status). Interest rates are fixed so you’ll always know the amount of each payment until the car is yours. You pay over your chosen period. After you have made all the payments including the interest you own the car.

The choice is yours, you can budget with confidence as your regular payments will be the same throughout the  agreement. Ideal if you want to own the car outright. You have protection under the Consumer credit Act Termination Rights, and satisfactory quality rights. You do not own the vehicle until the final payment is made. Your vehicle may be at risk if you do not maintain contractual repayments. You must have fully comprehensive insurance.

WHY CHOOSE HIRE PURCHASE?  It is a popular way to finance a car, it lets you choose the car you want, while spreading the payments that suit your budget. You’ll have the reassurance of knowing your regular monthly payments will stay the same. After you’ve made all the payments including the interest the car’s all yours.

Please ask any member of our sales teams for a finance quotation, all of whom are trained and have gained approval from SAF  (Specialised Automotive Finance) who are members of the Finance and Leasing Association.