Unit B & C The Beta CentreBone LaneNewburyBerkshireRG14 5UE
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Finance

The Van Hub can offer a wide range of finance options to suit our customers and aim to help every customer drive away in their ideal vehicle with the best possible finance package in place. We aim to understand your needs as thoroughly as possible and tailor one of our available finance packages or options to suit you or your business.

Our finance packages​ offer a range of advantages over a traditional personal loan, such as lower monthly payments and a shorter term. You can apply for and complete a finance application online, providing an unprecedented level of security and convenience to purchasing your next vehicle. Our finance options are intended to remove any additional hassle from purchasing your next vehicle.

We have a number of different options available to allow you to finance your next vehicle in the way that best suits your individual needs, these include Hire Purchase, Personal Contract Purchase, Lease Purchase and Contract Hire. We can often offer a number of additional benefits or perks to your chosen finance package also, such as nil advance payment and Guaranteed Future Values.

If you have had trouble purchasing a vehicle elsewhere previously or perhaps you have poor credit history, then give us a call to see if we can help. We have great relationships with our finance providers, allowing us to offer flexible finance deals to suit all budgets, often where others may have been unable to help. The vehicle finance options offered by The Van Hub help you to own your next vehicle sooner and often at a lower monthly payment than you may expect.

Sub-prime finance is not guaranteed and may cost more than finance provided by a prime lender. We will try to obtain finance for you but there is no guarantee. It may be from a sub-prime lender, and if so, the cost of finance may likely be at a higher rate than prime lenders offer.

What is Personal Contract Purchase (PCP)?

Personal Contract Purchase (PCP) is a finance product which normally allows you the opportunity to buy a new or a used car with a lower monthly repayment than if you were to purchase with a hire purchase or loan agreement. This provides you with increased buying power and can put you into a vehicle which perhaps you previously believed would be out of your budget.

It is similar to a Hire Purchase agreement in as much as you will usually pay an initial deposit, followed by monthly instalments over an agreed term typically between 18 to 48 months.

What makes PCP different to Hire Purchase (HP) is that your monthly instalments are paying off only the depreciation of the vehicle rather than its entire value, over the course of the term. When you reach the the end of your agreement, there is a final balloon payment that must be made if you want to keep the vehicle or the vehicle can be returned with no additional costs or payments due. The balloon payment is often referred to also as the Guaranteed Future Value (GFV) and is agreed at the start of the term.

PCP often suits those who wish to change their vehicle every 2-3 years and enjoy the convenience of being able to simply hand the vehicle back at the end of the term.

What is Hire Purchase (HP)?

Hire Purchase is the more traditional method of financing a new or used car. You will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends and you own the car.

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