PERSONAL FINANCE

If you're buying a Land Rover for personal use then at Sinclair Land Rover, we can offer a range of flexible financing that is simple and straightforward and designed around you – whether you want to own your vehicle at the end of the contract or would like to find out more about leasing, we have a solution that fits. This section will help guide you through your options.

PERSONAL CONTRACT PURCHASE

Based on your chosen term (between 13 and 49 months) and mileage*, Land Rover Financial Services will determine the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement and provide you with an Optional Final Payment amount.

Any deposit you make is deducted from the vehicle price and you then make regular payments based on the remaining balance plus the agreement interest. At the end of the agreement, just choose from one of the following options:

1. Renew – part-exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Retain – pay the optional final payment to keep your Land Rover.

3. Return – return the vehicle and do not pay the Optional Final Payment. Assuming the vehicle hasn’t exceeded the maximum agreed mileage and is in good condition (fair wear and tear accepted), you will have nothing further to pay.

 

WHY IS THIS PLAN FOR ME?

Take advantage of Land Rover’s high residual values to keep monthly payments down by deferring some of the credit owed until the end of the agreement. There are a number of final payment options too.

  • I would like to keep my monthly payments as low as possible.
  • I would like to choose how much I pay upfront (subject to a minimum).
  • I want flexibility at the end of my plan. I want to help protect against an unexpected fall in used vehicle prices.
  • I like to drive the newest models.

PERSONAL CONTRACT HIRE

Just choose your Land Rover, agree your annual mileage* and your initial rental in advance and how many monthly rental payments (between 18 and 60) you prefer. You can add our optional maintenance, routine service and repair package to your monthly payment if you wish.

At the end of the term, the vehicle must be returned and you will have nothing further to pay provided the vehicle is in good condition (subject to fair wear and tear) and has not exceeded the agreed mileage.

Personal Contract Hire gives you an initial rental in advance of 1 – 12 months (subject to underwriting), regular rental fees and no worries about disposing of your car at the end of the contract, when you can choose your next Land Rover under a new agreement.

 

WHY IS THIS PLAN FOR ME?

  • I want a low initial outlay and regular payments for easy budgeting.
  • I want the option to bring all of my running costs together in a single rental payment, including maintenance and repair.
  • I want the flexibility to change my contract term and mileage should my circumstances change.
  • I don’t want the worry of selling my car at the end of my contract.

ADVANCED PAYMENT PLAN

With the Advance Payment Plan (APP), you make one upfront payment and defer the remaining vehicle cost until the end of the agreement.

Based on your chosen term (between 13 and up to** 37 months) and mileage*, you will be given a Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement. This is deducted from the vehicle price and you simply pay the remaining balance plus the agreement interest (if applicable) as a single upfront payment. When your agreement finishes, you have these options:

1. Renew – part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Retain – pay the optional final payment to keep your Land Rover.

3. Return – Assuming the vehicle hasn’t exceeded the maximum agreed mileage and is in good condition (fair wear and tear accepted), you will have nothing further to pay.

 

WHY IS THIS PLAN FOR ME?

  • I would like to pay for my new Land Rover outright, but not all at once.
  • I want several options at the end of my plan.
  • I want to protect against an unexpected fall in used vehicle values.
  • I want to be able to afford a newer or higher spec model – APP gives you more spending power.

HIRE PURCHASE

Decide the level of deposit you want to pay and select an agreement term between 12 and up to 60 months. Your deposit is deducted from the price of your car, then you make regular payments based on the remaining balance plus the agreement interest.

Until the final payment is made, the vehicle is owned by Land Rover Financial Services. The title will then be transferred to you.

 

WHY IS THIS PLAN FOR ME?

  • I want to own my Land Rover at the end of my finance agreement.
  • I want to know exactly how much I have to pay each month.
  • I have a deposit to put down and want to choose how much I have to pay.

Sinclair Garages Limited is authorised and regulated by the Financial Conduct Authority (ref: 305925). Our other group companies , Sinclair Garages (Bridgend) Limited, Sinclair Garages (Newport) Limited, Sinclair Garages (Cardiff) Limited and Sinclair Garages (Swansea) Limited, are Appointed Representatives of Sinclair Garages Limited. You can check this on the FCA's register by visiting the FCA's website www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.

Our permitted business is the supply of motor vehicles and associated products and services, including Finance and Insurance. We are a Credit Broker not a Lender. We do not charge for this service but will receive a commission from our finance partners. The nature of the commission is either fixed flat fee or fixed percentage of the balance funded. Neither the commission nor any other associated benefits we receive influences the interest rate or premium you pay.

© 2024 Sinclair. All Rights Reserved. Sinclair Group is the brand name for all of our limited companies. Registered in England and Wales.

Registered Address: Sinclair Group | Old Field Road | Bocam Park | Pencoed | CF35 5LJ. Registered number: 1192572. Automotive Web Site by Bluesky Interactive Ltd

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