Car Finance

Financing Your Vehicle?

Incentive Cars Limited are experts in providing finance to customers across the UK. We work with leading providers, such as MotoNovo Finance, Close Motor Finance, First Response finance, Mann Island Finance and other leading lenders where we are able to look at personalised finance options depending on your current personal and financial circumstances. This enables you to confidently finance your new car at a price to suit your monthly budget.

Whilst hire purchase is the most popular form of finance, our finance providers also offer products, such as a rate for risk agreement, a VAT offset loan on commercial vehicles, PCP (personal contract purchase) and lease purchase with a balloon payment at the end of the agreement. Please let us know if you would like details on how these work.

We can also help if you have a poor or an adverse credit history, so please let us know your situation and let us do the work.

Hire Purchase
Hire Purchase (HP) is the traditional way to finance a car. HP is very similar to borrowing a sum of money from a bank and paying it back over a fixed period of time, with interest.
Hire Purchase is a type of secured loan, which are often preferred over unsecured loans because they allow a greater borrowing limit. The term "secured loan" means a loan that the lender can secure against an asset, in this case, a car.

The Benefits Of Hire Purchase
1. Simplicity - You decide the deposit and term to suit your personal needs. The rate we quote is the rate you get, meaning a fixed monthly payment making your monthly budgeting simple.
2. Convenience -We can arrange the finance on-site within the hour and we require minimal information.
3. Additional Benefits - All you need is your driving licence. Your first payment is taken after two months. Additionally, our primary lender MotoNovo Finance offer discounts with many high street stores, saving our customers hundreds of pounds.
4. Reassurance - Borrowing your money through us means you know exactly what you are paying for your new car.

Finance is subject to status. Terms and conditions apply. Applicants must be 18 or over. Guarantees / indemnities may be required. Acceptance & Option fees that may apply can vary from time to time and from lender to lender, fees may already be accounted for within the payments displayed. We work with a number of carefully selected credit providers who may be able to offer you finance on your purchase.

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