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0% Finance deals

Personal 0% Finance Deals are available on a selected range of new cars and you might not even have to pay a deposit.  Selected 0% finance plans may require a minimum deposit amount such as 25%, 40% or 50% of the total vehicle price.  Your part exchange vehicle can be used to contribute towards the required deposit amount.

Details of the minimum deposit required can be found on the related vehicle details page.

KEY FEATURES

• Affordability. With 0% finance you know if the payments are affordable to you right from the start to ensure that the car and figures meet with your personal and budget requirements.
• No interest or administration charges to pay. Even if other interest rates go up, the interest rate on your finance repayments will not be affected.  That means no interest for you to pay on this car, at all - ever.
• Flexible terms. 0% Finance options available on selected models from 2 years up to 5 years.

PCP

Personal Contract Plans are designed to give you greater flexibility when you finance your car. You will benefit from affordable monthly payments which are often lower than those you would expect from a traditional car loan. At the beginning of the plan a Guaranteed Future Value is agreed, which is an amount that will be outstanding at the end of the contract. This amount and the deposit you choose to pay are set against the vehicle price and the monthly repayments are based on the balance. Financing your vehicle this way means you can drive a higher specification vehicle for a lower monthly payment.

KEY FEATURES

• Affordability
  With part of the car's value deferred until the end of the agreement, the monthly payments are lower than with many other finance plans.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Financial security
  With our Guaranteed Future Value you have the security of knowing the minimum value of your car at the end of your agreement.
• Choice
  At the end of your agreement you can make the final payment and keep the car, hand it back, or trade it in. And there's no need to decide what to do until then!

HIRE PURCHASE

Similar to a bank loan (and sometimes called Hire Purchase), this is where you choose the deposit amount (perhaps including the value of your part exchange), deduct it from the cash price of the vehicle and then make monthly repayments over a 1, 2, 3, 4 or 5-year agreement (whichever you prefer). This is the simplest and most popular method of buying a car with finance. After you've made your final payment at the end of your agreement, the car is yours.

KEY FEATURES

• Fixed repayments
  At the beginning of the agreement, both the amount you will pay every month and the repayment period is fixed and will not change.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Flexible payment terms
  Choose the length of the repayment period to suit your budget. You can choose between 12 and 60 months, it's entirely up to you.
• Low or no deposit
  You can choose to either part exchange your current vehicle and use that amount as you deposit, perhaps use some of your savings as a deposit or put down no deposit and finance the whole amount.

Settling the finance on my car?

If you have a finance agreement that you wish to clear so that you can make a new purchase at Aston.  We will contact your finance company and request “an early settlement quotation” for you, this amount can be settled out of the value you get for your trade in or by cash from yourself or it can be added to your new loan.

Negative Equity

Nowadays this is quite common, if your car has decreased faster than you repaid your loan we can help by re-financing the negative balance within the purchase of your replacement car. We handle all finance matters quickly, efficiently and professionally.

If you finance your car or van with Aston, we will use a range of lenders, our primary finance houses are: Black Horse Finance, Vauxhall Finance, GMAC, Black Horse Motor Finance and Barclays Premier Finance, Barclays Partner Finance and Barclaycard Car Loan.

Sub Prime Lenders and Settling Your Finance Agreement

We deal with all major finance companies and, where required, settle accounts for existing vehicles that are financed by customers and suppliers who sell us cars. Outstanding Finance amounts, Finance settlement figures. This list of companies include Jigsaw Finance, Affinity Motor Finance, Close Motor Finance, Unique Finance Services, Blue Motor Finance, First Response Finance, Welcome Finance, Welcome Financial Services Ltd., Mallard Finance, Mallard Vehicle Finance, Evolution Finance, Evolution Funding Ltd., Northridge Finance Ltd., Creation Finance Ltd., Armed Services Finance Ltd., Eastern Direct Finance, London and Surrey Finance, Crown Finance, Credit Care Ltd., Santander, Capital Bank, Alphera Financial Services, British Credit Trust BCT, Ford Motor Credit, Ford Finance, BMW Finance, Renault Finance, Peugeot Finance, PSA Finance.

Banks & Building Societies

We can also settle personal loans with other finance houses such as banks & building societies, some of these are, NatWest, Alliance and Leicester, RBS, Lloyds TSB, HSBC.

Private, Retail Customers, and now VAT registered businesses, Partnerships and sole traders, will use, HP, Hire Purchase over 12 months, 24 months, 36, months, 48 months and 60 months. Alternatively PCP Personal Contract Plan, Car finance is available with a Final Value to buy the car, Residual Value an outstanding amount, Balloon payment, Depending on who these are financed by they can be called, Vauxhall Choices Finance, Choices Deals, Peugeot Passport etc.

Business users, VAT registered business users Ltd. Companies, Limited Companies etc. use car loans, car Finance, Business Loan’s, Contact Hire with an advance payment of 0 or 3, or 6 months as an  advance, Payments as an initial rental followed by 33 payments, repayments, 35 payments, 23 payments, 42 payments, 30 payments depending on the term of the agreement, A peppercorn rental, payment at the end of the agreement or a residual value, payment is also sometimes payable which can be + VAT plus VAT. Car lease or leasing, lease purchase, or Contract leasing deals are also available to Business Customers, wanting Business car or van commercial finance, van finance, car finance, truck finance etc.