Car Finance

Call 01372 736 000 to speak to one of our knowledgeable advisors about Car Finance options at Wilsons Epsom.

Car Finance

Got your eyes on a car but not sure if you can afford it? Car finance for used cars is here to help. It enables you to pay for the car over fixed monthly payments rather than a single lump sum. You can choose from three different options: Personal Contract Purchase, Hire Purchase and Contract Hire. Click on each of the tabs below to find out more about how each option works!

Here at Wilsons, we sell hundreds of used cars at competitive prices from big names like Citroen, Jeep, Fiat, Nissan and more. We want as many customers as possible to drive away happy in the car that suits them best, and by offering finance plans for used cars as well as new cars, we are able to do so. Whether you're looking for your first car or you’ve been driving for years and fancy something different, we can help by offering these cost-effective finance schemes.

We’ve grown to be one of the largest dealerships in the South of England thanks to our ability to help hundreds of customers. This success is down to our flexibility; we can tailor the car finance options for used cars to suit your exact budget and needs. For example, you might like to put down less of a deposit or reduce the monthly instalments by extending how long you have the contract for. Our finance specialists will discuss these options with you at the dealership in Epsom to ensure you get a package that suits you.

Your bold SUV, sporty roadster or expertly sophisticated saloon may not be as far from reach as you might have expected.

Contact us today or visit our dealership for more information on each of the car finance plans for used cars that we offer!

Car Finance Options:

Personal Contract Purchase (PCP)

​Your car purchase is supported by a finance company that essentially buys the car and you pay them in fixed monthly instalments for the term of your agreement. A portion of the car's value is deferred until the end of the agreement when you can choose to pay it to own the car, part exchange it for a new car or return the car with no further payments, subject to terms and conditions.

Personal Contract Hire (PCH)

Also known as car leasing, this finance option is similar to PCP; the main difference is that you will not own the car and have no option to purchase the car at the end of the agreement. You pay fixed monthly instalments, but there is no balloon payment at the end of the contract. Instead, the car will be handed back to the finance company.

Business Contract Hire (BCH)

Apart from being exclusively for businesses as opposed to private individuals, Business Contract Hire works the same as PCH. If you are a VAT registered company, a Business Contract Hire agreement will mean that you can claim back 50% of the VAT on the finance element among other financial advantages.

Hire Purchase (HP)

After paying an initial deposit (which could be £0), the remainder of the car's value is paid off in fixed monthly instalments. As the name suggests, you hire the car over the period of the contract and purchase it at the end after making the final monthly payment.

Find Out More

By submitting a few relevant details through the enquiry form below, or by simply calling one of our friendly business managers on 01372 736 000, you can quickly discover the flexible finance options available at Wilsons and find one that is perfect for you. For more information on our financial arrangements, get in touch with the helpful staff at our Epsom showrooms today.

  • GAP Insurance & Williams Ceramic Coat
    If your vehicle is written off or stolen before you finish paying the finance on it, your car insurance payouts may not be enough to repay what you still owe and replace your vehicle with another vehicle of equivalent value. Guaranteed Asset Protection (GAP) is designed to cover this financial gap. We at Wilsons provide GAP insurance with the RAC, protecting you and your car against unforeseen incidents. Gap Insurance Could: Provide three years Return to Invoice cover and up to five years Financial Shortfall cover. Pay up to £300 insurance excess. Safeguard against depreciation in ...
  • Personal Contract Purchase
    What is PCP? Personal Contract Purchase, also known as PCP, is a vehicle finance arrangement where you will usually pay an initial deposit followed by monthly instalments. Once your agreed contract term has finished, you’ll stop paying monthly instalments and will have the option of buying the car. PCP can be broken down into three main parts: 1. The deposit. At Wilsons, our PCP deals do not have a minimum deposit amount, but you can choose to put down a deposit of any size which would mean you'll have to borrow less. 2. The amount you borrow. This is determined by how much the finan...
  • Personal Contract Hire
    What is Personal Contract Hire? Personal Contract Hire, also known as PCH or car leasing, is essentially a long-term car rental agreement where you pay a fixed monthly fee to use the car for an agreed time period. It is exclusively for private individuals and helps to combat the problem of depreciation. Though the car is in your possession, it is never actually yours to own. Leasing a car is just like leasing or renting anything else. For example, if you rent a house or flat, first you pay a deposit and then you get the use of it for an agreed period of time, during which you pay a set amoun...
  • Hire Purchase (HP)
    What is Hire Purchase? A Hire Purchase agreement, or HP, is a vehicle finance arrangement where you pay a relatively low deposit and hire the car with the option to buy it at the end of the contract. HP will be available to most customers - even those with poor credit ratings. This is because the loan is secured against the car, with the vehicle being used as collateral. Hire Purchase is very similar to a personal loan when you're paying it, as you'll make monthly payments over a time period of between 12 to 60 months, with a fixed interest rate. However, there are two key differences. As th...
  • What Is Car Finance?
    What is Car Finance? Car finance helps to spread the cost of buying a new or used car. Instead of paying the full amount up front, you pay monthly instalments with interest. Most car dealerships will offer a range of finance products to suit individual preferences and circumstances. At Wilsons we have a variety of finance packages available to both individuals and businesses which include Personal Contract Purchase, Hire Purchase, Personal Contract Hire and Business Contract Hire. Finance is subject to status and is only available to UK residents aged 18 and over. How Does Car Finance Work...
  • Business Contract Hire
    What is Business Contract Hire? Business Contract Hire is very similar to Personal Contract Hire in the sense that it is a long-term car rental agreement where a fixed monthly fee is paid to use the car for an agreed time period. The difference here is that it is exclusively for businesses. Business Contract Hire agreements allow a company to lease cars for their employees for a set period of time, typically between 12 and 48 months. Throughout the duration of the agreement, the company taking the agreement out does not own the cars; the lease company retains ownership of the cars and when t...
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Transport For London

Cars need to meet minimum emission standards when travelling in the Ultra Low Emission Zone (ULEZ) or the daily charge must be paid.

Minimum emission standards

Petrol: Euro 4
Diesel: Euro 6

The ULEZ will be enforced based on the declared emissions of the vehicle rather than the age. However:

Information from Transport For London

Check this car on the TFL website before purchasing:

All our vehicles are subject to an Admin Fee. Our Admin Fee covers any additional administration needed during your transaction, including a thorough provenance check (HPI Check). The admin fee also includes the cost to fully valet, register and, if necessary, MOT your vehicle (if less than 6 months left of current MOT).

Our administration fee is a variable fee which covers the additional administration needed when transacting with different categories of customers as specified. Retail Customers £199.00 - (Private buyers - NOT an owner, partner or director of a new/used vehicle sales company). Retail Customers using a finance broker outside our official panel of lenders paying funds direct to Wilsons Epsom - £399.00. All fees are inclusive of VAT.