"Thinking of buying your car on finance? We are here to help."

Financing your next car

We offer business and retail finance options to help you turn your dream of owning a car from Premier Automotive 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.

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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, Finance Mitsubishi,  Kia Motors Finance 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) & Shogun Finance (Mitsubishi) 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.

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.