Isuzu Subaru

Are you looking to buy an Isuzu or Subaru vehicle? If the answer’s yes, we have flexible finance solutions designed to make your purchase as affordable and manageable as possible.

 

What is Personal Contract Purchase (PCP)?

Personal Contract Purchase financing is a cost-effective means of driving the latest vehicles while spreading the costs into fixed monthly repayments. Simply pay an initial deposit and agree on a guaranteed future value price of the model at the end of the set period. Your monthly payments will then cover the depreciation in value. At the end of the contract, you can choose to buy the vehicle outright by paying the guaranteed future value price or return the vehicle with no further obligations.

​PCP agreements let you pay off the depreciation between the sale price and a figure known as a guaranteed future value. This means lower monthly repayments and no further obligations at the end of the agreed contract.

The major advantages of taking out a PCP agreement are the lower monthly costs and the flexibility at the end of the contract to walk away with nothing more to pay or the option to buy outright. There’s also the ability to change models more frequently, making this ideal for those that like to drive the latest vehicles.

With a PCP agreement, you’ll have plenty of flexibility available; however, should you wish to keep the vehicle, you will need to pay the guaranteed future value fee in full, or be prepared to take out another financing agreement. This could ultimately result in the model costing more to purchase than via an alternative scheme.

Yes. Speak to a member of the team at Bellinger for further details on settling your agreement.

isuzu d-max
subaru forester

What is Hire Purchase (HP)?

Hire Purchase is a more traditional way of financing a car, yet does not differ hugely from a PCP arrangement. You will be required to pay an initial deposit followed by fixed monthly repayments. However, unlike PCP where you are paying off the depreciation in value, you will be paying off the remaining balance of the vehicle. As a result, at the end of the agreement, you will be the outright owner of the vehicle with nothing more to pay.

Hire purchase is a simple and convenient way of purchasing your vehicle outright. After paying a deposit, you cover the full value of the car with monthly payments over an agreed term, usually between 24 and 60 months. When the final payment is made, the vehicle is yours.

The major advantage of a Hire Purchase agreement is the fact that, at the end of any agreement, you will be the overall owner of the model. What’s more, you’re also able to spread the costs of buying into manageable monthly repayments, making it simple to budget for.

When opting for a Hire Purchase agreement, you should be aware that the monthly payments may seem steeper than those associated with PCP. This is because you will be paying off the overall balance of the model as opposed to the depreciation in value.

Absolutely. We do, of course, recommend liaising with the team at Bellinger to discuss options should you wish to settle early.

What is Part Exchange?

Part exchange is a simple way to use the value of your current vehicle towards your next car. Instead of selling your vehicle privately, Bellinger can provide a vehicle valuation and, if you are happy to proceed, the agreed amount can be put towards your next purchase.

This can be especially helpful if you are looking to arrange finance at the same time. The value of your part exchange may be used as part of your deposit, which could help reduce the amount you need to finance through a PCP or HP agreement. Whether you are considering a new Isuzu, a new Subaru or one of our latest used cars, our Wantage showroom team can explain how part exchange could fit into your next purchase.

Our Wantage showroom team will assess your current vehicle and provide a valuation based on factors such as its age, mileage, condition, service history and current market demand. If you accept the valuation, the amount can be deducted from the price of your next vehicle or used towards your finance deposit.

Yes. In many cases, the value of your current car can be used towards the deposit on a PCP or HP agreement. This may help make your monthly repayments more manageable, depending on the vehicle you choose, your deposit, the agreement length and the finance product selected.

Part exchange keeps the process straightforward. You do not need to advertise your car, arrange private viewings or deal with the uncertainty of a private sale. Bellinger can handle the valuation and help you understand how your current vehicle fits into your next purchase.

In many cases, yes. If your current vehicle has outstanding finance, our team can review the details with you and explain the next steps. Any remaining balance would need to be considered before the part exchange is completed, so it is best to speak to our team for clear guidance.

blue isuzu

If you’re not sure which financing solution is right for you, please get in touch with the Bellinger Wantage showroom team for impartial advice.

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M.M. Bellinger and Sons Limited t/a Bellinger is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activities include advising on and arranging general insurance contracts and acting as a credit broker not a lender.


We can introduce you to a limited number of finance providers. We do not charge a fee for our Consumer Credit services. We do not act as a financial adviser, or fiduciary. We act in our own interest, whichever lender we introduce you to, we will typically receive commission from them based on either a fixed fee or a fixed percentage of the amount you borrow. Any and all commission amounts will be fully disclosed to you as part of your sales journey. You will be required to give your fully informed consent to our receipt of this commission. By doing this, you acknowledge that you understand our role as a credit broker, and that we will receive a financial incentive if you take out a loan from a lender that we introduce you to.


All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over, Guarantees may be required.
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