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Car Finance

Otter Motors are finance specialists and work with a number of high street lenders and specialist motoring finance houses who help hundreds of customers secure their next car each day.
We offer finance with as little as £100 deposit on any vehicle in stock. With rates set at 9.9% APR representative and NO ADMIN FEES's you'd have to go a long way to find a better offer.

Why not see if your eligible for finance by using our FREE finance checker - the service is FREE, won't impact your credit rating and should take less that a minute to complete.

It only takes a few minutes to submit a finance application which can be done by entering your details below or contact us and we can do the hard work for you. You can also have a play around using our finance calculator on your desired vehicle, this will give you an idea of initial deposits and monthly re-payments.

The interest on your finance agreement is set at a fixed rate, so you know exactly how much money is coming out of your account every month. This means you can spread the cost of your car and manage your budget over the course of the agreement.

At Otter Motors we offer 2 of the most popular types of Finance - HP (Higher Purchase) & PCP (Personal Contract Purchase).

HP Explained - If you choose to pay for your car with a Hire Purchase agreement, you will normally pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends and you own the car.

PCP Explained - Personal Contract Purchase (PCP) is similar to a Hire Purchase agreement as you will usually pay an initial deposit, followed by monthly instalments. What makes PCP different is that your monthly instalments are only paying off the depreciation of the car, rather than the entire value of the car. Where PCP differs from HP is at the end of the term. Then you'll have three choices. You can:
▪ Return the car to the finance company
▪ Keep the car
▪ Trade the car in against a replacement

No deposit required on both HP & PCP finance agreements and with rates set at 9.9% APR your closer to driving away in your new car sooner than you think. For more information and to find out monthly costs on a particular vehicle call us on 01404 812608 // 07482 242681
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