Car Finance

Regal Cars are registered and regulated by the Financial Conduct Authority, which means you can have complete peace of mind when committing to a finance plan. We can arrange all finance in-house, making sure that buying a car with us is as smooth and simple a process as possible. We have access to a wide range of finance providers and products so that you can be sure of getting a finance deal to suit you.

Our sales staff are FCA trained and qualified to answer any questions you may have about arranging finance and paying for your new vehicle.

Below are the two most popular types of finance agreements to fund a vehicle. If you have an queries or require a quotation then please do not hesitate to contact us.

HP - HIRE PURCHASE

The cost of your purchase can be spread from 12 to 60 months
There are no mileage restrictions
No minimum deposit required
The payments are fixed and regular making it easier to budget
At the end of the agreement you own the car


PCP - PERSONAL CONTRACT PURCHASE

PCP is a finance scheme that allows your monthly payments to be reduced, because an agreed fee is deferred until the end of the contract. Essentially, you only repay part of the value of the car over the term of the agreement. Each contract typically lasts between 24 and 48 months. You can again pay no deposit, followed by regular monthly payments, you then have 3 choices at the end of the agreement:

1) Pay the guaranteed future value (aka 'balloon payment') to own the car outright.
2) Exchange your car for a new model, and a new PCP agreement.
3) Hand the car back and walk away.

You are also able to change your car during the contract, which combined with the lower monthly payments, makes this way of purchasing a vehicle very flexible.
Select Vehicle

Customer Reviews

See All