Order 100% online 0 Saved Vehicles Contact Us Loyalty Scheme Careers Menu Select a Brand Back You are here: Homepage > Finance Make An Enquiry Value My Vehicle Check Your Finance Eligibility Apply for Finance Contact Us Car Finance and Vehicle Finance Plans at The JCB Group Motor finance can be confusing so let us help demystify the subject! Watch our videos and gain an understanding of the different types of car finance available, as well as the benefits of using specialist motor finance to fund your next car purchase. With JCB you will always get a mid term review of your finance arrangement, just to check it's still working for you. All staff who are qualified to advise on finance are FCA accredited. You might want to upgrade your vehicle, so take this opportunity to talk the options through with our finance experts. Watch the video below to find out what to expect. Why Use JCB Finance? There are many reasons to use The JCB Group to fund your next vehicle purchase. This video will tell you why, in plain English. What is PCP? A Personal Contract Purchase is the most common way of purchasing a new car in the UK but is increasing in popularity for buying a used car. The benefits include; Afford a more expensive car Lower your monthly repayments Reduce the length of your agreement Change your car more regularly 36 - 49 month options on repayment Flexible end of agreement options, such as keep your vehicle, part-exchange for a new one or return the vehicle. Easy budgeting with fixed interest payments Add in options like accessories or service plans The final sum is guaranteed by the finance company What is HP? Hire Purchase is the traditional way of funding a vehicle purchase. There are several benefits to using secured finance to pay for your new car rather than using an unsecured personal loan, your savings or your mortgage. You could settle the outstanding amount at any time. You own the vehicle at the end of the agreement. What Is LP? LP stands for Lease Purchase. This method of finance allows for monthly payments which are adjustable according to your needs and budget. You could pay off the residual value of the vehicle and keep it, or part-exchange it for your next vehicle. What is PCH? Personal Contract Hire or PCH is a way of leasing a vehicle without having to own it. At the end of the agreement you can hand back the car or van, *as long as you have serviced and maintained it in line with your agreement. The main things to consider are: You lease and don't own the vehicle The agreement is for a fixed period of time or 'term' There is a fixed monthly cost If the annual mileage allowance you agreed at the start of the term is exceeded, you will have to pay an excess mileage charge You can have maintained or non-maintained agreements. That is, if you do or don't want to include the service and maintenance costs At the end of the term you can return the vehicle* and can start another agreement on a different one You need to maintain your vehicle in good condition otherwise you may incur charges at the end of the agreement Road tax is usually included in the agreement Contract Hire We also do Contract Hire for business use. For peace of mind motoring - ask in the showroom for the finance option that suits you. Our website has some fantastic new features to help you find and finance the perfect used car: Have a particular price range in mind? Use the powerful “Budget” search tool to search our stock based on your monthly budget. Looking for a particular car but don’t know if you can afford it? Use our “Vehicles Search” on the left hand side to find your car and see accurate finance quotes displayed next to it. Use the adjustment bar to tailor the finance quote to a monthly payment you feel comfortable with. A longer contract period, a larger deposit and lower annual mileage will all make your monthly payment lower. Remember that the value of your part exchange can be used as part or all of your deposit. If you are currently in a finance agreement, give us a call and we can give you a cash value that you can use as a deposit to fund your next car purchase. Take the next step Apply for finance online, have the quote emailed to you or just pick up the phone to book a test drive or have a chat. We have Business Managers in every branch who are able to advise and help with financing your vehicle. They are all FCA trained. Please visit the branch or phone us to ask for a personalised finance quote. We're here to help. Mid Term Review Call us at any time to review your finance agreement. We will always contact you for a mid term review, during which you might want to upgrade or change your vehicle. Watch this video to know what to expect. 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