Vauxhall Finance in Camberley
Vauxhall Finance in Camberley
With the recession still lingering many households have put off buying a new car, some simply no longer have the disposable income they use to, some are too nervous to commit to new credit due to job insecurity and some are struggling to sell their old models to raise capital for their new purchase.
Car manufacturers have been hit hard by this recession with record low sales month on month for the past couple of years, some have had government cash injection to survive, others have introduced some ground breaking offers to help entice customers.
Vauxhall currently have a few 0% APR finance packages, where you can purchase a new Vauxhall and not pay any interest on the money you borrow, the finance package is over a 3 year period and only available on some models.
Vauxhall finance in Camberley is available as Hire Purchase (HP) or Personal Contract Plan (PCP). HP is the traditional way of buying a new vehicle; you pay off the price of the car in monthly payments. The monthly payment is determined by the deposit paid, the length of contract and the sale price of the car. At the end of the contract, subject to all payments being made, the car is yours. Historically though the APR on HP packages has been high, this is no longer the case with a typical APR of 6-10%.
PCP is a modern way and more flexible way of buying a new car, once you have paid a deposit and paid the agreed monthly payments for a fixed period of time you then have three choices:
Drive away a new car part-exchange your vehicle for a new model, using any difference between your final payment and the vehicle's actual value as a deposit towards a new car.
Keep your car Pay the final payment, either with cash or a new agreement, subject to acceptance, and keep the car.
Simply return your car in good condition.
Vauxhall dealerships arrange their Vauxhall finance via GMAC UK, a specialist automotive finance company who has been proving Vauxhall customers with finance since 1920.
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