Finance Methods

At Charles Warner Ltd we are fully qualified to advise you on the best way to fund your vehicle purchase. We also believe in making the payments affordable without over stretching your budget. You can choose between 19 and 60 months, and receive the assurance that when other interest rates go up, that your monthly payment is fixed and will not be affected.

Our primary finance provider is GMAC who are now one of the world’s largest financial services companies and have helped finance over 162 million vehicles worldwide.

What we offer:

Hire Purchase (HP): Once you have selected your vehicle and an affordable deposit (which can include any part exchange vehicle), you can finance the balance this way over anything from 19 to 60 months. This form of funding provides you with the assurance of legal protection and as the vehicle you are purchasing is registered with both Experian and HPI, is not only free from any other financial interest by other companies, but also has not been subject to an insurance write off. Your bank cannot offer you this assurance!

Personal Contract Purchase (PCP): A form of Hire Purchase, therefore giving you the same rights and legal protection. At the beginning of the term a guaranteed future value of your chosen vehicle is set, which is the amount that will be left owing at the end of the contract (36 months). This is an ideal way to make a higher spec car affordable over a shorter period, giving you the option at the end to pay the balance owing, hand the car back to the finance company or use any equity as your deposit against your next car.

Personal Loan: If you have finance outstanding on your current car, don’t worry we can arrange a personal loan to help you.

Bad credit? Don’t worry; we have access to around 30 other lenders.

We offer a wide range of insurance products; from Payment Protection Plans your family protection from the financial burden should the worst happen to you; to protecting your credit rating should you be unable to work through accident or sickness. We also offer Guaranteed Asset Protection; this will protect your investment should you be unfortunate enough to write the vehicle off.

Finance is subject to status, conditions and availability. Written quotations are available on request. We are regulated by the Financial Services Authority (FSA). Our FSA registration number is 311721