Finance

We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We can help you create a finance package that could get you behind the wheel of your dream car.

Finance is often a major part of our customers’ car-buying journeys, so we have taken the necessary steps to offer some great packages as well as peace of mind. As a Financial Conduct Authority (FCA) registered dealership, we have developed relationships with a wide range of lenders nationwide for your convenience.

Van Finance Explained

There are three main types of finance deals that you might want to consider: 

Hire Purchase

Financing your van purchase allows you to spread the cost over time, making it more manageable for your budget. Here's a breakdown of the three main finance options we offer at M&S Commercials:

At M&S Commercials in Essex, we understand that purchasing a vehicle is a significant investment. That's why we're dedicated to making the process as smooth and stress-free as possible. We offer a variety of van financing options in Essex to help you get behind the wheel of your dream van.

Hire Purchase (HP): This popular option involves a deposit and monthly instalments with interest. Once you've made all your payments, you'll own the van outright. It's a great choice for those who want to own their vehicle eventually.

Personal Contract Purchase (PCP): This option is ideal if you prefer to change vans every few years. You'll typically pay a deposit and monthly instalments, followed by a "balloon payment" at the end of the term. You can choose to pay the final sum and own the van, return it, or use any remaining value towards a new van finance deal.

Personal Leasing (Contract Hire): Similar to PCP, leasing allows you to enjoy a new van for a fixed term with monthly payments. However, unlike PCP, there's no ownership option at the end of the lease. Leasing is a good choice for those who like to drive the latest models and prefer a hassle-free experience. 

Van Finance Solutions in Essex for Every Need

At M&S Commercials, we understand that everyone's financial situation is unique. That's why we work with a wide range of lenders to find the perfect finance solution for you, regardless of your credit history.

Our friendly and knowledgeable team can explain each option in detail and help you choose the one that best suits your budget and preferences. Don't hesitate to get in touch and discuss your van financing needs.

Transparency & Trust: Financial Disclosure

M&S Commercials Essex Ltd. is a registered company in England (Company Registration Number 11542262). We are regulated by the Financial Conduct Authority (FCA) under number 998629.

We act as a credit broker, not a lender. We work with various lenders who may be able to offer you van financing in Essex. If a lender approves your application, we may receive a commission from them for the introduction. However, this commission does not affect the interest rates you pay.

For further details on commission rates, please don't hesitate to contact us directly. We are committed to transparency and providing you with all the information you need to make an informed decision about van finance in Essex.

Apply for van finance in Essex today!

Ready to find your perfect van and get on the road? Apply for van financing online with M&S Commercials today. It's a quick and easy process! Visit our website or contact our friendly team to discuss your options and get pre-approved for van finance in Essex.

We look forward to helping you drive away in your dream van!