Vehicle Finance

We have partnered with a wide variety of lenders to ensure we provide the most competitive and suitable funding solutions for your vehicles.

A car for business or personal use? We have the market knowledge and expertise to deliver the right package for you or your business.

KSW Finance support customers with a variety of funding options from PCP, Hire Purchase, Lease Purchase and Refinancing.

With a wide knowledge of the car market and strong relationships with local dealers we are able to offer advice and support on your purchase.

PCP

Personal Contract Purchase is a solution specific to car finance for individuals.

It allows you to .

A residual value is set on the car based on your annual mileage. Your monthly payment is agreed for the term of the agreement.

Typically monthly payments on a PCP are lower as there is a balloon figure at the end of the agreement.

Hire Purchase

Hire Purchase is a solution that allows you to pay for your new vehicle over an agreed fixed term.

At the end of the term you'll have full ownership of the car as you have repaid the total value during the agreement.

A deposit is normally required and the balance is then funded over an agreed term.

Lease Purchase

Lease Purchase is a form of conditional sale, regular monthly payments are similar to those on a lease agreement but the options at the end of the agreement differ.

A balloon figure is agreed for the end of the term and you agree to take ownership upon payment of this balloon figure.

This type of agreement is generally used on vehicles that are not suitable to be on a PCP.

Refinance

Refinance is a funding option that allows you to access tied up equity in your vehicle.

It can also be utilised to finance an upcoming balloon payment you may have on an existing agreement. This allows you to continue paying monthly payments and keep your car.

You can also re-structure your current agreement with a view to reducing your monthly payments.