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Car Finance Options

The range of finance options available when buying a new car can be bewildering. APR, Final Payment, GAP insurance - these terms can make the whole business of changing your vehicle a daunting task.

We have detailed some brief explanations of the main ways in which you can finance a vehicle. These notes offer a jargon-free perspective for those looking into a cash alternative to their company car.

Re-financing a Balloon Payment on a Lease Purchase or PCP agreement

Lease Purchase, PCP or Balloon Payment Agreements have become a popular way for customers to purchase vehicles and pay lower monthly rentals. This is perfect for people who change their car regularly and do so before the balloon payment falls due. However, what if you don't want to change your car - can you afford the balloon payment?

Most finance companies won't allow you to re-finance the balloon payment. However Livingstone Finance is different - we work with a number of funders who are happy to re-finance your balloon payment and allow you to keep your vehicle. Call us on 0845 643 5058 for more details.

Below are some notes regarding car finance methods. If you still have any questions after reading these pages then please do not hesitate to call us.

Hire Purchase
Conditional Sale

Contract Hire
Contract Purchase
Finance Lease
Lease Purchase
PCP - What is it?
Guaranteed Future Value - What is it?

For more information on any of these facilities, please contact us on 0845 643 5058 or contact us via our enquiry form.