• Finance & Warranty

    Buy a car using finance

    Here at AR Cars Club Ltd we offer our customers the chance to purchase vehicles using a variety of finance payment plans. By doing so we can take the pressure off and allow you to purchase a car despite not having all of the funds available up front. We offer Hire Purchase (HP) and Personal Contract Purchase (PCP) finance packages to our customers.

    Hire Purchase

    This is the most common finance plan used by car buyers across the UK. Hire Purchase allows you to pay a deposit up front, before paying off the rest of the cost of the car over a set period of time. This period is determined before you begin paying, and the monthly installments are also set. Once you have paid off the entire vehicle you own it outright.

    Personal Contract Purchase

    This option allows you to take out a loan to pay for the vehicle. However, where it differs from HP is that you will pay a deposit, and then you’ll pay a monthly fee to cover the cost of the vehicle based on how much its value will decrease over time, minus your deposit. Therefore you don’t have to pay for the entire cost of the vehicle. After a predetermined period of time, when a set amount has been paid, you will then have the option to pay an additional fee to purchase the car outright. If you don’t wish to do so, then you simply hand the car back. PCP is ideal for people who want to change their vehicle every couple of years or so.

    Warranties included

    All of our vehicles are thoroughly checked, and we try to provide MOTs where possible. We also carry out thorough road checks, so you can rest assured knowing you’re buying a car that’s in great condition. However, customers will be pleased to know that all of our cars also come with a three month warranty as standard. That means that if any unforeseen issues arise, we’re able to take care of them for you. Our warranties are fully comprehensive up to the value of the car, so you can rest assured knowing you’re in safe hands. We also offer extended warranties of six, 12, and 24 months, so you can ensure you’re covered for longer.