A BETTER WAY TO BUY YOUR NEXT CAR
WE TAKE ALL THE HASSLE OUT OF CAR FINANCE
Over 70% of today's car buying customers buy their car with some form of finance. At I.Stojanov & Sons Ltd we are fully conversant with all the different type of options available, and are here to help you find the best and most appropriate finance to suit your needs.
HIRE PURCHASE OR PERSONAL CONTRACT PURCHASE WHICH ONE IS RIGHT FOR YOU?
Do you want to own your own car?
If you do then Hire Purchase may be the right choice for you.
- Choose a car
- Choose a repayment period between 25 - 60 months that suits you.
- If you have a deposit or a car for part exchange agree an amount and a regular monthly payment that suits your budget. Nil deposit is also available
- At the end of the agreement the car is yours to keep as long as you have made all the payments
- Deferred finance option also available where you pay nothing for the first 3 months
- No large sums to pay at the end just your last payment plus the documentation fee
HIRE PURCHASE WITH A BALLOON PAYMENT
Do you want lower monthly payments?
Hire purchase with a balloon payment is essentially the same as Hire Purchase, except that the monthly payments are lower because a final lump sum payment is deferred untill the end of the agreement.
- Choose a car
- Choose a repayment period that suits you
- Agree an annual mileage you will do in your car
- At the end of the agreement as long as you have made all the payments you have 3 options
- Pay the final lump sum payment and the car is yours to keep
- Return the car and walk away
- Part exchange the car for a new agreement
PERSONAL CONTRACT PURCHASE
Do you want to keep your options open?
If you do then Personal Contract Purchase more commonly known as PCP may be right for you.
- Choose a car
- Choose a repayment period that suits you.
- Agree the annual mileage you will do in your car
- Gauranteed car value at the end of the pre set agreement
- Lower monthly payments
At the end of the agreement as long as you have made all the payments you can pay the final lump sum and keep the car, or if you do not want to pay the final lump sum payment, you can upgrade the car for a newer model or simply return the car and walk away.
What is gap insurance?
This video gives a general description of the safe & sound warranty, breakdown cover & gap insurance.
For full details of the specific products and to see how they may benefit you, please click here for RTI GAP and here for Warranty
HAVE YOU BEEN REFUSED CREDIT BEFORE OR DO YOU HAVE A POOR CREDIT RATING?
IF SO WE MIGHT BE ABLE TO HELP!
We consider the following...
- Self employed
- HP Arrears
- Mortgage arrears
- Agency Workers
We may be able to supply affordable car finance regardless of past credit history.
At I. Stojanov & Sons Ltd we specialise in obtaining car finance for people who have a bad credit history, or no credit history, and we think that this should not stand in the way of you buying the car you would like.
Bad credit can often be the reason for many people trying to secure finance on the car of their choice. We are able most of the time to arrange solutions for each customer we deal with, and still look to getting customers approved with car finance, even if they heve been recently refused credit or are struggling to fund the purchase of their new car.
Usually people automatically assume that poor credit car loans come with a very high interest rate, this is not always the case. We can arrange low rate poor credit car finance which will enable you to purchase the car of your choice without having high monthly payments.
Each day we talk to customers who have been put off applying for car finance because of their credit rating. At I. Stojanov & Sons Ltd we are confident that we will be able to get you the car finance even with your poor credit rating.