Vehicle Funding

Here at DC Automobiles with our extensive range of premium used car stock, we should have the exact car to suit your own individual driving requirements.

We believe the same should be true when deciding how to pay for it.

Whether you are a private buyer, a business user or you are looking to opt out of a company car scheme, we have something for you.

We are also able to provide a fantastic range of insurance products to protect your car and your monthly payments too !

Please take a look at the relevant sections on our site which will give you more details of the various products available.

Hire Purchase & Balloon

Hire Purchase & Ballon payment is an ideal method of borrowing money, where vehicle ownership, a low monthly budget and a shorter loan term is important.

After paying an initial deposit, repayments are made and a percentage of the vehicle cost can be deferred to the end of the agreement as a “balloon payment”.

Benefits of Hire Purchase & Balloon

eventual outright vehicle ownership

fixed monthly payments

lower monthly payments

shorter loan term

finance solutions to match your budget requirements (subject to status)

Personal Contract Purchase (PCP)

The Personal Contract Purchase scheme (PCP) enables you to drive the car of your choice with a range of choices at the end of your agreement. PCP takes into account the minimum market value at the end of the agreement and provides the ultimate comfort of a guaranteed future value (GFV) for your chosen vehicle. This GSV may be paid at the end of the agreement or used too help fund your next vehicle, thus removing the usual worries of future vehicle price movements.

Benefits of PCP

no deposit required

shorter payment periods than hire purchase finance

Guaranteed Future Value at the end of the agreement (subject to return conditions)

Lower payments than hire purchase finance

Car could be more affordable

Increased potential to change vehicles more often.

Variable Rate

Balance payments variable rate is ideal for those who prefer the certainty of fixed monthly payments combined with potential advantages/savings of variable interest rates.

Interest is calculated on an agreed margin about the finance house base rate (FHBR) and calculated thereafter on a fixed basis. When the Balance Payment Variable Rate agreement is signed, monthly payments are fixed and as the FHBR alters the term of the agreement alters accordingly.

Benefits of Variable Rate

Eventual outright vehicle ownership

Fixed monthly payments

Flexible payment periods

Variable interest rate

Flexibility to make lump sum payments during the agreement

Credit Care

Do your finance payments have the protection they deserve?

There is no better feeling that driving your vehicle away from the showroom. It is such a great feeling that you may not want to consider the things even the best motor dealer insurance does not cover.

If you were unable to work following accident, sickness, involuntary unemployment or if the worst were to happen and you died, your finance payments may still have to be met.

By complementing your regular vehicle insurance with an extra investment in finance insurance you could protect yourself against these unpleasant possibilities.

How it works

Creditcare One : Life, Accident, Sickness and Unemployment, Carer Cover

Creditcare Two : Life, Accident & Sickness

Creditcare Three : Life, Criticial Illness

Creditcare Four : Life

Creditcare Five : Keyman Life

Creditcare Six : Mastercare