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If you wish to liaise with one of our sales experts to discuss purchasing options, get in touch with us today. Simply select the relevant query below and you’ll be directed accordingly.

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How does PCP work?

Personal Contract Purchase (PCP) financing is one of the most popular forms of vehicle financing around, and is ideal for those that like to change their car on a regular basis. You will be required to pay an initial deposit and decide on the length of agreement that suits you. We’ll then determine the Guaranteed Future Value of the vehicle at the end of this term. You will be responsible for paying off the difference between the sale price and the Guaranteed Future Value. At the end of the agreement, you will return the vehicle to us with nothing more to pay.

What is Hire Purchase?

Hire Purchase is arguably the most traditional form of financing, meaning you will be required to pay a deposit followed by fixed monthly repayments over an agreed period of time. These payments cover the outstanding balance left on the model. At the end of the agreement, you’ll have a nominal fee to pay - known as an ‘option to purchase’ fee - which will result in you being the full owner of the vehicle.

Frequently Asked Questions

How can I pay for my new vehicle?

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Funding your next purchase is easy with Des Winks Volkswagen, with Hire Purchase and Personal Contract Purchase plans helping you spread the costs into manageable monthly repayments.

What deposit do you require to order a new car?

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For most purchasing agreements, a deposit of 10% is required for any vehicle. However, liaise with a member of the Des Winks Volkswagen team to discuss options.

Do you accept my vehicle as a part exchange?

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Absolutely. We have an instant valuation tool on each listing page which will provide you with a competitive quote for any model you wish to exchange.

Can I buy a car with bad credit?

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You can. Note, however, that your credit rating may impact the rates of APR that are available as well as which lenders may be able to support your purchase.

Is getting a car on finance worth it?

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Yes. In fact, it’s probably the best value way to invest in a vehicle, helping you to spread the costs of purchasing into manageable repayments.

Can used cars be financed?

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Yes. Used cars can be purchased through financing, making them highly affordable.

Can I settle my finance early?

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You can arrange to pay off your car finance early by liaising with the finance provider. They will supply you with an early settlement figure which will cover the outstanding balance and any early repayment fees that are applicable.

What is car finance?

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Car finance is a means of funding the purchase of a vehicle through borrowing from a recognised lender. There are various schemes available enabling you to spread the cost into fixed monthly repayments, thereby making it more affordable to invest. You can learn more about the options by speaking to a member of the team at Des Winks Volkswagen today.

What is APR?

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APR stands for Annual Percentage Rate, which is the official rate used to determine the cost of borrowing over the course of a year.

What is a guarantor loan?

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Such a loan is one that is backed by a family member or friend who will be responsible for repayment should you be unable to meet your payment obligations.