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Commercial Finance

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We specialise in offering finance deals that are both flexible and affordable to suit all budgets on your next car.

At Surrey Hills Commercial we work closely with a number of specialist finance providers to give you the best possible rates for your budget.

We offer both HP and PCP packages on our vehicles

We compare a variety of car finance products to ensure you get the best deal when purchasing your next vehicle. We have access to high street banks and lending corporations, as well as some of the more specialist and niche car finance companies. .

Our team take a personal approach to finance and we cater for all credit profiles, ensuring the best outcome for our customers.

Representative Example

HP: Payable by 60 payments of £325.25. Payments are based on a duration of agreement of 60 months, a cash price OTR of £16,495 with a deposit of £1,000 leaving an amount of credit of £15,495.00. This agreement results in a representative 9.9% APR and a total amount payable of £19,515.12

Hire Purchase (HP)

A simple way of financing that gives you the certainty of a fixed interest rate, and fixed monthly payments throughout the agreement. The initial deposit and repayment period can be structured to help meet your budget and the length of time you expect to keep the car. You can trade-in your existing car and put this towards the initial deposit, or if you wish, just put down a cash deposit.

After paying the initial deposit you make regular monthly payments to cover the amount borrowed plus any interest and fees

The interest rate is fixed which means you'll know exactly how much you will repay throughout the term of the agreement

Once all of the payments have been paid the car is yours

Features and Benefits

Fixed monthly repayments
Low Deposit
Ownership of Car
Budget with confidence
Freedom, no mileage restrictions
Ability to settle the loan early

Finance Representative Example: Payable by 60 payments of £546.61. Payments are based on a duration of agreement of 60 months, a Cash Price OTR of £26,495 with a deposit of £1,000 leaving an amount of credit of £25,495. The agreement results in Representative 10.9% APR and a total amount payable of £33,796.38

Personal Contract Purchase (PCP)

Similar to a Hire Purchase agreement but with additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment.

What happens next?

At the end of your PCP agreement, you then have a number of options.

Option 1 - Part-exchange your vehicle-use any equity above the Guaranteed Minimum Future Value as an initial deposit on your next purchase.
Option 2 - Keep your vehicle-simply pay the Guaranteed Minimum Future Value to retain ownership.
Option 3 - Refinance the final balloon payment.
Option 4 - Return your vehicle and have nothing further to pay, subject to vehicle condition and within the agreed mileage terms. (Subject to terms and conditions).