Motor Vehicle Finance

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HP is the simplest and best-known form of motor finance. You enter into the agreement and make fixed monthly instalments over a set period of time usually ranging between 24 to 61 months.

You become the registered keeper of the vehicle and the responsibility of maintaining and insuring the vehicle is yours but the finance company remains the legal owners of the vehicle until the balance is paid in full.

At any point during the agreement customers can ask for a settlement figure, allowing you to pay a lump sum that will clear the balance. The ownership of the vehicle then transfers to the customer.

How do I apply?

You can apply directly at a dealership or simply use our calculator on our main page to get an
estimate of payments then call our office on 01495 717171.

From here one of our experienced team can advise you on the best ways to get finance through Family Finance.

Please note that in most cases a commission is payable to the supplying dealer- please ask us for details of this.

What if I have problems making payments?

If you have any problems in making your repayments please get in touch where one of the
customer support team will try and provide you with the necessary assistance. There are a
range of options we can consider when helping you through any tough times.
At Family Finance we take pride in putting the customer first. Please see how to get in touch
on our contact us page.

I have bad credit, will I still get finance?

Family Finance are specialists in providing credit for people who may have had issues obtaining credit in the past.
Our customers are never judged solely on their credit history. Decisions are based on a number
of factors using human judgement to understand whether the repayments will be manageable for
the customer now and in the future.

All credit is subject to status and an affordability assessment. Terms and conditions apply. We only supply credit over 18’s. We work with our customers to consider whether the product is suitable and affordable to you and always ask you to think how you will manage your repayments if your circumstances change.

How much can I borrow?

We can offer hire purchase from £5000 to £30,000. Use our car finance calculator to get an
estimate of what payments would be.

Things to consider before taking out finance!

  • Are these payments affordable now and long term?
  • Is the car you picked the right car for you?
  • A Hire Purchase agreement will get registered on your credit file
  • There is a risk of repossession if payments are not made
  • You are responsible for all associated costs such as fuel, insurance, MOT etc