You put down a deposit and borrow the remaining cost of the vehicle, paying it back monthly over the term of the agreement. At the end of the agreement you own the vehicle.  

• Initial deposit – You put down a deposit of around 10% of the vehicle price and pay the remaining cost of the vehicle over the term of the agreement.
• Fixed monthly repayments – Monthly repayments are fixed during the agreement and spread equally throughout the term, including interest. The agreement is up to five years (60 months).
• No lump sum – There’s no lump sum to repay at the end of the agreement, unless an optional balloon repayment is set.
• Optional balloon repayment – An optional balloon repayment is available, payable at the end of the agreed term. This can help to reduce the monthly payment amount.
• You become the legal owner – At the end of the agreement you pay the title transfer fee and become the legal owner of the vehicle.
• Finance is secured against the vehicle – If you fail to meet your monthly repayments, the vehicle can be repossessed.

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You pay a deposit and the remaining amount borrowed is split into monthly instalments. We guarantee the minimum amount the vehicle is worth at the end of the agreement.  

• Initial deposit – You put down a deposit of around 10% of the vehicle price and pay the remaining cost of the vehicle over the term of the agreement.
• Fixed monthly repayments – Monthly repayments are fixed during the agreement and spread equally throughout the term, including interest. The agreement is up to four years (48 months).
• Guaranteed minimum future value – We guarantee the minimum the vehicle will be worth at the end of the agreement, based on agreed annual mileage and maintenance of the vehicle (any excess mileage and/or damage may incur additional charges).
• Choose to own, return or exchange the vehicle – At the end of the agreement you can pay the ‘option to purchase’ (OTP) and Guaranteed Minimum Future Value (GMFV) fees to become the legal owner of the vehicle, hand it back to us and walk away, or part-exchange it for a new one.
• Finance is secured against the vehicle – If you’re unable to keep up with their payments we may repossess the vehicle.

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You put down a deposit and borrow the rest of the cost of the vehicle. You pay this remaining amount back monthly over the term of the agreement. At the end of the agreement you can choose to own the vehicle or hand it back.  

• Initial deposit – You put down a deposit of around 10% of the vehicle price and pay the remaining cost of the vehicle over the term of the agreement.
• Fixed monthly repayments – Monthly repayments are fixed during the agreement and spread equally throughout the term, including interest. The agreement is up to five years (60 months).
• Optional balloon repayment – An optional balloon repayment is available, payable at the end of the agreed term. This can help to reduce the monthly payment amount.
• Choose to own or return the vehicle – When the final payment is made, customers can pay the ‘option to purchase’ (OTP) fee and become the legal owner of the vehicle, or hand the vehicle back to us and walk away.
• Finance is secured against the vehicle – If you’re unable to keep up with their payments we may repossess the vehicle.

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