Finding the right finance solution for your vehicle

Here at Access Car And Commercials, we understand the importance of finding the right finance product for your vehicle. Our experts work with you one-on-one to not only discover the most fitting financial solution, but make the process as quick, clear and simple as possible.

We are here to help you. With a selection of finance options available, including Hire Purchase, Lease Purchase and Contract Hire, you can make your new van purchase affordable and take your business to the next level.

HP – Hire Purchase

Spreading the cost of your van purchase is easy with Hire Purchase. Thanks to fixed, regular monthly repayments, you can work towards owning your LCV outright.

How does it work?

After agreeing an initial deposit, agreement term and monthly repayment amount, we then submit your Hire Purchase finance application on your behalf. With Hire Purchase, you can borrow any amount from £1,000 and set repayments that suit your budget over a term of 1 to 5 years. Our Hire Purchase finance is available on new vans and used commercials aged up to 14 years at the end of the agreement term. Flexible deposit options, including 0% deposits, may also be available subject to status.

What happens at the end of your agreement?

Once all repayments and final option to purchase fee have been made, you own the vehicle, a fact that makes Hire Purchase a great choice for many business owners. Hire Purchase finance also ensures you can budget with confidence courtesy of fixed and regular repayments.

LP – Lease Purchase

With low monthly repayments and no annual mileage limits, Lease Purchase finance is a popular choice for businesses serving a multitude of sectors.

How does it work?

Again, borrowing any amount from £1,000, you work with our team to set repayments that suit your budget for a period of 2 to 4 years. Monthly repayments tend to be much lower than other finance products, as a significant amount of the credit is deferred to a final repayment at the end of the agreed term. This final repayment amount is calculated after an initial deposit, term and monthly repayment amount are agreed. This finance product is available on new vans or used commercial vehicles up to 7 years old at the end of the agreement term. Flexible deposit options, including 0% deposits, may also be available subject to status.

What happens at the end of your agreement?

You have two options once you come to the end of the agreement term. You can choose to pay the Final Lump Sum Repayment to own the vehicle outright or part exchange the vehicle subject to the settlement of your existing finance agreement. With Lease Purchase, you can drive the latest models, keep monthly repayments equal and low with fixed interest, and avoid the mileage restrictions associated with many finance products.

Contract Hire

With Contract Hire, your finance company owns the vehicle throughout and after your agreement term, an arrangement that comes with many advantages.

How does it work?

We are an independent introducer, and work with carefully selected vehicle finance providers to supply personalised, versatile finance products directly to you. Access Car and Commercials Limited is authorised and regulated by the Financial Conduct Authority (FCA No 955225).

Benefits of Finance for Business

We are here to help

There are a number of different finance options available at Access Car and Commercials making your new van purchase affordable. Visit our showroom and speak to a member of our finance team. They’re able to advise you on all our finance options. if you have a bad credit history we may still be able to help you, simply ask one of our friendly finance staff for more information.

Business specialists

Our dedicated team of Business Specialists are customer focused and are on hand to give advice and assist you in anyway they possibly can.

Spread the cost

Repayment terms from 12 to 60 months.

Fixed Payments

Low APR’s, Fixed monthly repayments, no hidden charges.

Existing finance settled

Speak to a business specialist they can arrange to settle your existing vehicle finance.

Business tax relief

Business users may claim tax relief on any interest charged. The vehicle is also classed as an asset which allows write down against taxable profits.

Fast decision

Depending on your circumstances you could be agreed within 15 minutes.

Finance is available subject to status, to UK residents aged 18 years or over. Indemnities may be required. Conditions may apply depending on credit score status. Access Commercials UK Ltd act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation.

We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed.