John Stuart Finance Solutions
Offering the best finance solution for OUR CUSTOMERS,
not us...
John stuart Motor Company offer numerous finance
options for you whether you are a private buyer or
business. We very often have 0% finance deals on new
cars or alternatively, where NIL APR finance isn't
available and on all our used cars and vans, we can
offer a very competitive finance quote, most with
low rate APRs.
Hire Purchase
HP finance offers a flexible approach. You tell us
your deposit (we can take your current car as deposit)
and how long you want to take an agreement over and
we can give you a monthly figure. At the end of the
agreement you own your car. HP is most suited to people
who want long term ownership of a vehicle. Alternatively,
tell us what you'd like to keep your monthly payments
to and we can advise you on amount of deposit and
length of term.
Personal Contract Purchase
Finance (PCP Finance)
Suited to people who regularly change their car or
van - available on all new & some used cars &
vans. PCP Finance has a flexible deposit (subject
to maximum deposit), flexible repayment periods -
usually between 2 and 3 ½ years, with a final,
optional, settlement figure (guaranteed future value)
which is calculated at the time of purchase. At the
end of the term you have 3 choices - either pay the
settlement figure and take ownership of the vehicle
outright, hand the vehicle back and walk away, or,
more commonly, part exchange the vehicle to upgrade
for a different one. Mileage restrictions will apply
and excess mileage is charged.
Personal Contract Hire
Finance
Designed for people who are leaving Company car schemes.
This option offers a way to budget for servicing,
unforeseen repairs, replacement tyres, in one monthly
payment with no disposal or depreciation worries.
Lease Purchase
Mainly used by business users, this type of finance
has the benefit of flexible deposit and repayment
periods, with a flexible % of the purchase price being
deferred to the end of the term. At the end of the
finance agreement are 2 options; either pay the settlement
figure to take ownership of the vehicle, or part exchange
the vehicle and upgrade to a new one.
Finance Lease
Offers accelerated tax benefits, with ownership of
equity - another option suitable for business users
as detailed above, plus up to 100%* VAT content being
reclaimable (*50% if vehicle is also used for private
mileage). Up to 100%* of rental can also be offset
for business use (*dependant on cash price).
Contract Hire Finance
Plan
Another option for business users, with flexible deposit
& repayment periods, and an optional maintenance
package. Up to 100%* rental can be offset against
business use (*dependant on cash price), and up to
100%* VAT content is reclaimable (*50% if vehicle
is also used for private mileage) - the main advantage
is that there are no disposal worries at the end of
the finance term.
Also available for Business
Users
Variable Rate Agreements and Balance Payment Agreements.
All our finance is subject to status, acceptance,
and terms & conditions will apply. 0% Finance
Offers, Low Rate Finance, and other finance special
offers may also be subject to other conditions.
We are authorised and regulated by the Financial
Services Authority and a qualified John Stuart team
member will advise you on products that are relevant
to your purchase.
For more details or to discuss our current finance
deals call John stuart Motor Company on 0161 790 2179 or email us on enquiries@johnstuartmotorco.com
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