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Flexible car finance

Car Finance
Made Simple

Flexible finance solutions available on our vehicles — designed to help you drive away in the car you want, with payments tailored around your budget.

Flexible Finance

Flexible finance solutions available on our vehicles

We work closely with our customers and trusted finance providers to help make purchasing your next vehicle simple, affordable, and stress-free.

Whether you are looking to upgrade your current car, spread the cost of your purchase, or secure a more manageable monthly payment, our finance solutions are designed to help you drive away in the vehicle you want with payments tailored around your budget.

With a range of flexible finance packages available, including zero deposit options on selected applications, we aim to help make vehicle ownership more accessible than ever.

Enquire About Finance Today

Getting started is quick and straightforward — our team will guide you through every step.

  • Speak to our team about the vehicle you are interested in
  • Receive tailored finance options based on your circumstances
  • Compare finance packages from our trusted lenders
  • Enquire from the comfort of your own home
  • Save time at the dealership

Once we understand your requirements, our finance team will work to help find the most suitable finance package available for your circumstances.

Get in Touch

The Benefits

Why Choose Car Finance?

Vehicle finance is now one of the most popular ways to purchase a car in the UK, giving customers greater flexibility and affordability when buying their next vehicle.

Spread the Cost

Rather than paying a large amount upfront, finance allows you to spread the cost over fixed monthly payments, helping make budgeting easier.

Drive a Better Vehicle

Finance can often allow you to access a newer vehicle, higher specification model, or lower mileage car than you may have considered when paying outright.

Keep Your Savings Available

Instead of using all of your savings on one purchase, finance allows you to keep money available for other important expenses or emergencies.

Flexible Deposit Options

Selected finance agreements may be available with zero deposit, helping you secure your next vehicle without needing a large upfront payment.

Fixed Monthly Payments

Many finance agreements include fixed monthly payments, giving you confidence and clarity throughout your agreement term.

Upgrade More Regularly

Many customers choose finance because it gives them the flexibility to change their vehicle more frequently and enjoy newer models more often.

Available Products

Finance Options Available

Choose the agreement that works best for you.

Option 1

Hire Purchase (HP)

Hire Purchase is a simple and straightforward way to finance a vehicle.

  • You may pay a deposit upfront, although zero deposit options may be available
  • The remaining balance is spread over fixed monthly payments
  • Once all payments are completed, the vehicle becomes yours
  • There is no large final balloon payment

HP is often ideal for customers looking for a clear path to ownership with fixed repayments.

Option 2

Personal Contract Purchase (PCP)

PCP finance can provide lower monthly payments compared to traditional finance agreements and offers additional flexibility at the end of the agreement.

  • You pay fixed monthly instalments over an agreed term
  • An optional final payment may be available at the end
  • At the end of the term you can keep, return, or part exchange the vehicle
  • We can also provide bespoke PCP quotations on request

PCP quotes can vary depending on residual values, annual mileage, deposit amount, and term. We are happy to provide tailored illustrations designed around your individual driving needs.

Why Finance With Us?

We aim to make vehicle finance simple, transparent, and customer-focused.

Competitive Finance Packages

We work with a panel of lenders to help find competitive finance options for a wide range of customers and budgets.

Quick & Simple Process

Our finance enquiry process is designed to be fast, easy, and clear from start to finish.

Tailored Finance Solutions

Every customer is different, which is why we aim to provide finance solutions tailored around your individual circumstances.

FCA Regulated

All finance arrangements are fully FCA regulated, helping ensure that finance is offered responsibly, fairly, and transparently.

Professional & Friendly Support

Our team is here to help guide you through the process and answer any questions you may have throughout your finance journey.

Here to Help

From enquiry to handover, our team is on hand to make the finance journey easy and clear.

Start Your Finance Enquiry Today

If you have found the perfect vehicle on our website, get in touch with our team and we will work with you to help find the most suitable finance solution available for your needs.

Drive away sooner with flexible finance solutions.

Dealer Finance Partnerships: We may receive a commission from finance agreements depending on the lender, agreement type, finance rate, and term selected. This does not affect our commitment to treating customers fairly and providing clear and transparent finance solutions at all times.

Verified Customer Reviews

Very helpful and easy to deal with. PartEx was straight forward helped sort the car car.

Larry Roberts

Excellent experience at Lectus cars , john and steve are honest and reliable , highly recommend , would buy from them again

Taylor G

easy good puchase, very happy

Anonymous

Brilliant- bought great audi tt, good part ex, very friendly and helpful - thank you .

Caroline R

Fantastic service.really nice people car is amazing.very helpful.really happy thank you.⭐️⭐️⭐️⭐️⭐️👍highly recommended.

Ken Hearn

John and Steve very nice to deal with , Steve very helpful and knowledgeable of cars , will be going back to get car serviced in the future ,

Keith Hogg

Absolutely brilliant, John was reliable, professional and honest, great experience from start to finish 👍

Anonymous

from the moment I met John for the initial look at the car I found him to be totally honest and easy going with no hard sale at all. He left me on my own to check over the car which i did over a couple of hours, without any interruptions or glossing over anything at all. The car itself so far has been an absolute dream with no issues. I would have no qualms with recommending Lectus Cars.

Anonymous

Genuine and great service, which is hard to find. I couldn't be happier with the service I received

Anonymous

It was a pleasure working with John and Steve from Lectus Cars. They offer a great selection of high-quality vehicles, and the BMW X5 50i M Sport Plus I purchased was in impeccable technical condition. They were also very helpful with arranging financing, making the entire process smooth and stress-free. I would definitely recommend them — you can trust their expertise and professionalism.

Dimitar M
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