What is the best vehicle finance deal?
What the best finance deal is, depends on your vehicle needs. Therefore, it's essential to tell us as much detail about the contract, car, van, and terms you require and why you require it. The best vehicle finance deal is one that fully covers your requirements.
At this stage, our expert team want to find out the following to find the best finance option and vehicle:
- Your choice(s) of vehicle
- How/where you will use the vehicle
- Your type of leasing agreement (Personal or Business Contract Hire, Finance Lease etc.)
- How long you wish to run your lease for
- What is your annual mileage?
The Financial Conduct Authority regulates us. This means we are obligated to advise you on deals that consider every aspect of your requirements and suitability for each deal.
How do you get approved for vehicle finance credit?
Once we have found the right vehicle and leasing agreement that matches your requirements, we will put you forward for credit to one of our many funding partners. Funding partners include Lex Autolease, LeasePlan, and BNP Parabis.
We complete a finance application form which includes:
- Employment history
- Bank account to confirm your address
- Your previous and current home addresses
- Your business addresses etc.
The underwriter checks the affordability of the finance. They make sure that it is a real person making the request and not somebody pretending to be you. We endeavour to get the quickest response to your credit application. Usually, we can gain an answer, whether good or bad, within 24-48 hours.
Vehicle order confirmation
At this point in the process, once we have secured your credit, we're ready to process the order for your new car or van(s).
We will confirm with you:
- The details of the vehicle you're ordering
- The length of the lease agreement
- The monthly rental amount, along with the initial rental amount
- The total mileage covered by the lease agreement, plus the rate for any excess mileage
- Details of any additional items or services you have ordered
- The end of lease procedure and the standard the vehicle will need to be returned in
How long before the new vehicle is delivered?
You've now signed your customer order form, and we are ready to push the button to order the vehicle.
We will give you an estimated delivery date for your vehicle. We base the delivery date on its availability and the length of time it may take to complete any added extras.
Signing your vehicle finance documents
You will now receive your finance documentation from our funding partner. The documentation will need to be signed and returned to confirm your finance on the vehicle.
Suppose you're a regulated customer such as an individual, a sole trader, or a partnership of fewer than four partners. In that case, you have 14 days cooling-off period in which you can change your mind and cancel your agreement. We will never deliver your vehicle within this cooling-off period.
Suppose you are an unregulated customer because you are a limited company or a partnership with more than three partners. In that case, there is no cooling-off period, and we can deliver your vehicle as soon as you sign your finance documents.
Delivery of your new vehicle
Our dedicated operations team will always keep you updated throughout the process of when your vehicle will be ready for delivery.
Once we have confirmed with our vehicle supplier, we will contact you to arrange a delivery date, time and location that suits you. We offer free UK delivery on the mainland!
Enjoy your vehicle
Your account manager will periodically contact you to make sure everything is going well and that there are no problems that have arisen. In addition, we will always be on-hand to help you with existing vehicles or any future vehicles you may require.
As part of our package, you will receive access to our client portal. Here you'll be able to keep track of your current vehicle and previous quotes and manage your new vehicle through our portal.
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