Whether you are looking to buy your dream car, add a new van to the fleet, or maybe just need to replace your well-loved daily driver? Hensley Stephens can provide a highly competitive alternative to dealership payment options, with car finance rates starting from 8.9% APR Representative.

 

We are specialists in funding vehicles via PCP, Lease Purchase with Balloon and Hire Purchase, offering both Balloon refinance and Equity Release when required.

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Hire Purchase (HP) - fully payoff the car as there is no balloon at the end of term. The debt is secured on the vehicle and the funder pays the supplier for the car direct. At the end of term, after paying the “Option to Purchase Fee” the car is yours.

 

Personal Contract Purchase (PCP) - partially payoff the car as there is a balloon/Guaranteed Future Value (GFV) at the end of term. The debt is secured on the vehicle and the funder pays the supplier for the car direct. At the end of term, you can either hand the car back and walk away (subject to mileage/return conditions), or pay the balloon/GFV, either by cash/re-financing the balloon and/or selling the car and paying off the debt.

 

Hire Purchase with Balloon / Lease Purchase with Balloon - partially payoff the car as there is a balloon at the end of term. The debt is secured on the vehicle and the funder pays for the car direct. At the end of term, you must pay the funder the balloon, either by cash/re-financing the balloon and/or selling the car and paying off the debt.

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Requesting a finance proposal for a new purchase, or simply re-financing something you already own, is completely free, with no obligation on your behalf, so why not give it a go now - you might be pleasantly surprised!