Wherever you want to purchase your new vehicle and whatever finance product you have in mind, we’ll use our unrivalled knowledge to hand-pick a competitive finance agreement that’s perfect for you. It’s your time to be excited, so leave the details to us and we’ll tailor-make your finance agreement.
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Find out more about the journey of Vehicle Finance with Charles & Dean here.

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Classic, Sport & Prestige Car Finance Specialists

At Charles & Dean we specialise in classic, sports and prestige vehicle finance. Financing your dream car with Charles & Dean is a smart alternative to a cash purchase.

At Charles & Dean we can tailor long or short term classic, sports and prestige vehicle finance agreements. We can tailor realistic deposits and balloon structures to suit your personal circumstances. If you currently own a classic, sports or prestige car and wish to raise capital against we can also help.

We can finance a variety of makes and models including, Ferrari, Lamborghini, Maserati, Aston Martin, Bentley, Rolls-Royce, McLaren, Tesla, Maybach, Porsche, Mercedes, Audi, Jaguar, Chevrolet, Morgans, BMW, Austin Healey, Triumph plus many more.

Your finance options

Hire Purchase is one of the most popular ways of funding a vehicle purchase. Once you have chosen your vehicle the lender will pay your selected dealership. You then hire the car from the lender, making monthly payments until the end of the agreement. It is a fixed period loan which is secured against the vehicle and with fixed costs. At the end of the term, there is an ‘option to purchase fee’ which once paid the title of the vehicle will transfer to you meaning you become the legal owner.

Whilst the lender will retain the title of the vehicle until all payments have been made, you will be the registered keeper of the car and you will be responsible for the licensing and any use of the vehicle.

Hire Purchase term lengths are usually between 24 – 60 months.

Hire Purchase is a good option if you’re looking to own a car for a long term and want peace of mind that your debt is secured against the vehicle.

Reasons to choose Hire Purchase:

  • You will gain full ownership of the car once all payments have been to the lender
  • There is a greater chance of credit approval
  • A low deposit is required, typically 10% however 0% agreements can be arranged subject to status
  • t’s easy to budget with flexible repayment terms and fixed interest rates. The cost is spread over an agreed period of time and paid by monthly instalments, that will not increase even if interest rates rise
  • here is more flexibility for you to make early repayments or over payments at any point during the agreement

FAQs

We have a variety of finance solutions available.

We’re flexible with our finance offering, working with a number of UK lenders.  We provide fast and clear quotes with the ability to advance funds in 24 hours.

We offer consistent and concise advice no matter what stage of the purchasing journey you’re in. When it comes to finance, we have your best interests at heart. Call us for impartial advice and peace of mind.

A car dealership can be tied to just one or two specific lenders. As a broker, Charles & Dean have access to a variety of lenders so we can tailor the right solution for you.

As a broker we specialise in finance solutions. We consider a range of factors such as vehicle depreciation, future value, customer requirements and expectations to ensure you’re getting a finance solution that works for your individual circumstances.

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With a Personal Contract Purchase agreement, once you have chosen your vehicle the lender will pay your selected dealership.

A PCP is a variation of a Hire Purchase (HP) agreement. The key difference with a PCP agreement is that your car has a Guaranteed Minimum Future Value (GMFV) calculated by the lender and is reflected as a deferred ‘balloon payment’ which is due as a lump sum at the end of the repayment period.

A number of factors are taken into consideration to calculate the Guaranteed Minimum Future Value including the specification, the age of the car and the expected mileage of the car at the end of the agreement.⠀

At the end of your PCP agreement you have three options:
1. To hand the vehicle back to the lender – subject to contract conditions being met
2. To settle the balloon payment, either by selling the vehicle privately or with cash
3. Refinancing the balloon payment if you wish to keep the car but don’t have the cash to pay the balloon

As the GMFV is deferred to the end of the agreement, monthly payments are lower when compared to a HP agreement over the same term. A Personal Contract Purchase is a good option for those who like to update their car more frequently. PCP agreements are typically 12–48 months

Reasons to choose Personal Contract Purchase:

  • The monthly repayments are typically lower than Hire Purchase
  • You can return the car at the end of the agreement – at the point when the GMFV is due
  • Deals can be structured with low deposits, typically 10% of the cost of the car. However, agreements can be arranged with a 0% deposit, subject to status
  • It’s easy to budget with flexible repayment terms and fixed interest rates
  • here is more flexibility for you to make early repayments or over payments at any point during the agreement
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A Lease Purchase is similar to a PCP agreement, however at the end of the term the deferred sum (referred to as a Guaranteed Minimum Future Value (GMFV) in a PCP agreement) must be paid. With PCP, it’s optional.

A number of factors are taken into consideration to calculate the Guaranteed Minimum Future Value including the specification, the age of the car and the expected mileage of the car at the end of the agreement.⠀

At the end of the agreement you have two options:
1. You can pay the deferred sum either by selling the vehicle privately or with cash
2. You can pay the deferred sum through a refinance agreement

A typical Lease Purchase agreement will last between two and five years. Lease Purchase is a good option if you like to drive the newest model, you want to keep your monthly repayments lower or if you don’t want to be subject to excess mileage clauses.

Reasons to choose Lease Purchase:

  • A Lease Purchase is a good option if you’re looking to finance a more expensive or a premium car
  • The monthly repayments are typically lower than Hire Purchase
  • Deals can be structured with low deposits, typically 10% of the cost of the car. However, agreements can be arranged with a 0% deposit, subject to status
  • It’s easy to budget with flexible repayment terms and fixed interest rates
  • There is more flexibility for you to make early repayments or over payments at any point during the agreement
  • You can fully settle any outstanding payments at any point during the financial term
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Vehicle Sourcing

Take away the pressure of searching for your next car, let us do the work for you.  At Charles & Dean we offer a full concierge service when purchasing a vehicle; from initial vehicle search, through to finance and delivery. We can even look after your personalised number plate transfer.

We discuss your requirements, talk you through the process and secure the car you desire. Over the years, our key operatives have built a strong network of links within the industry, allowing us to fully explore your personal/business requirements when purchasing a vehicle.

It may be that you know exactly the car you would like or you’re yet to decide. We can assist in ensuring you’re delighted with your next purchase, hand-delivering your new vehicle.

Customer Benefits

  • Over 15 years motor industry experience and a passion for cars
  • Unbiased opinion and impartial advice with a selection of trusted dealership option
  • Unbiased opinion and impartial advice with a selection of trusted dealership option