Financing Your Next Car With Premier
Premier Finance Solutions - Thinking of buying your car on finance? We are here to help. We offer business and retail finance options to help you turn your dream of owning a car from Premier into a reality.
PCP - Personal Contract Purchase
Choose the term and mileage and we will determine the predicted value of your car at the end of your agreement. This value is deferred to the end of the agreement and is guaranteed to be at least equal to the optional final payment. The final payment and any deposit are deducted from the price of the vehicle and you make regular payments based on the remaining balance plus the agreement interest.
Contact us to find out more about PCP Finance.
Why it might be right for you
- Fixed regular payments - easier budgeting.
- GFV protection - protection from falls in used vehicle values under the Goods Return option (if you hand the vehicle back).
- Flexible terms - variable deposits, periods and mileage available.
- Protection - You have Termination and Satisfaction Quality Rights.
Why it might not be right for you
- Ownership - you do not own the vehicle until the final payment is made.
- Deferred payment - a significant proportion of the credit is deferred until the end of the agreement, you should prepare for this if you want to own the vehicle.
- Repossession - your vehicle is at risk of repossession if you do not maintain the contractual payments.
- Insurance - you must have fully comprehensive cover.
HP - Hire Purchase
Choose the level of deposit you want to pay and an agreement term. Your deposit is deducted from the price of your vehicle, then you make regular payments based on the remaining balance plus the agreement interest. Ownership is transferred once the final payment is made.
Contact us to find out more about HP Finance
Why it might be right for you
- Fixed regular payments - easier budgeting.
- Ownership - you own the vehicle outright at the end of the agreement.
- Choice - choose any new or used vehicle up to 10 years old.
- Flexible terms - variable deposits and periods available.
- Protection - You have Termination and Satisfactory Quality Rights.
Why it might not be right for you
- Ownership - you do not own the vehicle until the final payment is made.
- Repossession - your vehicle is at risk of repossession if you do not maintain the contractual payments.
- Insurance - you must have fully comprehensive cover.
Contract Hire - Vehicle Leasing for Business
Choose your initial rental in advance (subject to underwriting), annual mileage and we calculate your regular rentals. You can also choose the reassurance of various optional service, maintenance and repair packages. As we buy the vehicle you choose and claim back the VAT your rentals are calculated exclusive of VAT. Because you return the car at the end of the contract you have no worries about disposing of your vehicle.
Contact us to find out more about Contract Hire
Why it might be right for you
- Fixed low rentals - to suit your budget and cash flow requirements.
- Zero depreciation risk - no disposal worries simply return the vehicle at the end of the contract. Excess charges will apply if the vehicle is returned outside of the condition and mileage terms.
- Tax efficient - rentals allowable against tax.
- VAT reclaimable - VAT registered businesses can re-claim 50% to 100% of the VAT element on rental and 100% on the maintenance payments.
- Road Tax included - renewed annually.
- Flexible terms - choice of advance rental, contract period and mileage available.
- Maintenance - Optional maintenance package, subject to a charge.
Why it might not be right for you
- Ownership - you cannot buy the vehicle at the end of the contract.
- Maintenance - you must maintain the vehicle in accordance with the contract conditions, even if you have not chosen the optional maintenance package.
- Repossession - failure to maintain contractual payments may result in legal action.
- Insurance - you must have fully comprehensive insurance.
- Termination - you can terminate the contract early by paying 50% of the remaining rental cost.
PCH - Personal Contract Hire
Choose your initial rental in advance (subject to underwriting), annual mileage and we calculate your regular rentals. You can also choose the reassurance of various optional service, maintenance and repair packages. As you can never own the vehicle and it is returned at the end of the contract you have no disposal worries.
Contact us to find out more about PCH Finance
Premier Automotive can introduce you to a limited number of lenders who may be able to finance your purchase, namely; Black Horse Finance, Kia Finance (Kia), Isuzu Finance (Isuzu) and Santander Consumer Finance. However, according to your wishes we may be able to introduce you to other lenders.Premier Automotive Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486 ) Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender. We can introduce you to a selected panel of lenders. An introduction to a lender does not amount to independent financial advice.
Unless we consider it to be inappropriate given your personal circumstances, for certain vehicles e.g. New, our approach is to introduce you first to Kia Finance (Kia), Isuzu Finance (Isuzu), who are usually able to offer the best available package for you, taking into account interest rates, residual valuations (where applicable) and other contributions. If they are unable to make you an offer of finance, or the vehicle is not one that we would normally place with them we will introduce you to other lenders on our panel. The lender we introduce you to and available rates will depend upon a number of factors including: the vehicle, your personal circumstances and the likelihood of a lender to accept an application based on information provided.
Lenders may pay a 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; some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But 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.
Accordingly, the options we present to you, from our limited panel of lenders, may not reflect the most competitive or impartial terms available in the market.
You are not tied to funding via our panel of lenders and have the right to seek alternative options. However, in doing so, this may impact upon any offers provided by our panel of lenders in relation to deposit contributions, servicing or other schemes. We are a commercial entity that expects to make a profit from this transaction. Consequently, lenders typically pay a 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; some lenders may also provide preferential rates to us for the funding of our vehicle stock and may also provide financial support for our training and marketing. 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. We do not charge you a fee for our services, consequently we do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.
All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over, Guarantees may be required.
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.
If you would like to enquire about applying for finance on the please complete the form below giving as much detail as possible.
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EXCELLENT CUSTOMER SERVICE
Bought my latest car from Premier Mitsubishi and have to say the service I received was excellent,in particular Jourdan,made the whole process easy and nothing was too much trouble.Highly recommended.
David A
6 STARS !!
We recently purchased a car, sight-unseen, from Premier Isuzu & Select Used Cars Manchester. I dealt with a very competent, polite & professional sales chap, called Jourdan. Figures were agreed, finance signed & sealed and the car delivered to us, free of charge ! Based 200 miles away & purchasing an expensive car without viewing first is always a concern, especially when doing it for the first time ! Such is the modern, click & collect world, I suppose. Jourdan was transparent, open and honest throughout, answering all of our questions and making us feel completely at ease. On arrival, the car really did exceed our expectations. It was prepared & presented to a very high standard, as promised, and all paperwork was present & correct. Highly commend Jourdan for a sterling job, his hard work & efficiency. Thank you. Couldn’t be happier & wouldn’t hesitate in recommending Premier Isuzu & Select used cars !
Matthew N
KIA SPORTAGE FROM ROCHDALE BRANCH
I contacted this Kia branch on Thursday1st of March, I had seen a Sportage on their website, the gentleman I spoke with was Charley Murton. He explained the car was a former demonstrator, I had been surprised to see a latest generation Sportage for sale so soon. I explained I wished to part exchange my current vehicle against a prospective purchase. I went to the dealership the following Tuesday, Charley was very welcoming and offered me a coffee, I needed it after having been at the mercy of a satnav for over an hour. He made me a very welcome offer on my vehicle and then we went for a test drive. Loved the car straight away. The negotiations were done professionally and efficiently, he then sorted out delivery to my home the following day, amazingly quickly. I have contacted him a couple of times since with a few questions he has continued to be extremely helpful each time. I am very impressed with this dealership and Charley in particular. A note to Charley your directions to get me home we’re spot on no need for the satnav and a half hour quicker!!
Colin J
PREMIER ARE AMAZING
The team at Premier are amazing, I can't praise them highly enough. After I had a nasty puncture with damaged wheel last night they have sorted everything and got me back on the road by 10am!! Truly awesome, thanks Premier!!
Kath Bailey
THIS IS THE BEST SERVICE I HAVE EVER HAD!
Brilliant experience from start to finnish dealing with the team from Hyde especially Matt who couldn't have been more helpfull. Everything went very smoothly and the car is brilliant .Cann't believe the aftersales package that comes with the deal . In my 40 years of buying cars this is the best service I have ever had . A big thanks to Matt again it was like dealing with a friend I have known for years
Lee Brocklehurst
EXCELLENT EXPERIENCE
From start to finish our experience of Premier Automobiles excellent. Our salesman Neil was professional, friendly and helpful and he made the buying experience easy. He talked us through the whole process, ensuring that we had all the information we required to help us decide on the right car for us. Despite being further away than other dealerships, we felt the journey to Premier was worth the extra mileage. Neil's honest, no flannel approach was reassuring and we will definitely go back to Premier in the future. In fact, we will be using their service department for our annual services.
Laura Murphy