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FINANCE AT HUTTONS LTD

At Huttons we offer a range of finance options to aid with the purchase of your new vehicle. A few of these options are explained below:

Hire Purchase

You pay a deposit and pay off the value of the car in monthly instalments, with the loan being secured against the car. This means you don't own the vehicle until the last payment is made.

Personal Contract Purchase (PCP)

This is the most popular way to finance a car and is essentially a long-term loan agreement. Monthly repayments tend to be lower and then at the end of a fixed term you have a range of options:

- Return the car.

- Pay the final ‘balloon’ payment and own the vehicle outright.

- Put the resale value of the car towards getting another car.

This form of finance is ideal if you like to change your vehicle every few years.

Personal Contract Hire (PCH)

A hassle-free approach to vehicle finance. This type of finance is a long-term lease of up to four years where you simply return the car at the end of the period. It means there is no obligation at the end of the contact – You walk away and start again.

Huttons Ltd is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Huttons Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We can introduce you to a selected panel of lenders, which includes Fiat Financial Services. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to Fiat Financial Services, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to be make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and Fiat Financial Services also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.