Finance

At E&J Jarvis, our reputation is to help deliver you the best service and value possible and that is the case when it comes to car finance.
We have personally picked the lenders we have partnered with, to meet the same high standards that we give.
We are FCA (Financial Conduct Authority) Registered and SAF (Specialist Automotive Finance) Accredited.

We understand that making a used car purchase is a big investment and can be daunting sometimes. But we will deliver as much as possible a smooth, hassle-free process to all of our customers. We will help create a financial package that best suits you to get you into your next car.

So rest assured that we have done everything possible to get you the best possible deal we can provide as well as to give you peace of mind. We can help with all credit scores from poor to excellent.

Car Finance Explained

There are three main types of finance deals that you might want to consider for your next used car: 

Hire Purchase

Sometimes just referred to as HP, this is a loan secured against the vehicle itself. This is a great choice for people who want to spread out the cost of their car. Typical HP deals involve a deposit, and the rest of the balance is paid in instalments, plus interest. Once you’ve paid your final instalment, you own the car outright.

Personal Contract Purchase (PCP)

This is a good option for those who like to change their car every few years but don’t want to fork out a big sum each time. You will typically be asked to pay a deposit followed by monthly payments. At the end of the agreed period, for example, three years, you will have the option of paying the rest of the balance, returning the vehicle or using any residual value on a deal with your next car. 

Personal Leasing (Contract Hire)

Contract Hire deals are very much like the PCP deals described above, however, you won’t have the option to buy the car outright at the end of the deal. So, whatever your credit history, we are able to create the perfect finance solution for you. Get in touch with a member of our friendly team to find out what your options are.

FINANCIAL DISCLOSURE

E&J Jarvis Limited is registered in England and Wales under company number 00775320. We act as a credit broker, not a lender. We work with several carefully selected credit providers who may be able to offer you finance for your purchase. (Written Quotation available upon request). Whichever lender we introduce you to, we will typically receive a commission from them (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commissions at different rates. All finance is subject to status and income. Terms and conditions apply. Applicants must be 18 years or over. We are only able to offer finance products from these providers.

FRN: 954092
SAF expert accredited

Why Finance Through a Dealership?

What is Hire Purchase?

What is Personal Contract Purchase?