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Here at James French.Com we are able to offer a great range of finance solutions across all our vehicles. To tailor your ideal finance quote please feel free to use the finance calculator in the vehicle details section.
Below is a brief description of the finance products we offer
Personal Contract Purchase (PCP)
With Personal Contract Purchase (commonly called PCP) you can drive the car you want and keep your options open at the end of the finance agreement.
Here is a step by step guide to how PCP works
You choose the vehicle you would like to buy
You choose the repayment period that is right for you
Agree a deposit and a regular payment to suit your budget
Agree maximum annual mileage
The finance company then decide a guaranteed minimum future value for your vehicle, which then becomes your optional final payment
At the end of the agreement you have three options
Part exchange your vehicle for another one*
Pay the final payment and keep the vehicle**
Return the car to the finance company**
The benefits of Personal Contract Purchase
You drive the car you want with your options open: you do not have to make any decisions until your agreement ends
You can change your car potentially more regularly, every two to five years*
Your car has a guaranteed minimum future value: so you don't have to worry about depreciation
There is an optional final payment at the end of the agreement: so you can benefit from reduced regular payments
Fixed regular payments: means its easy to budget
At the end of the agreement you can either: part exchange your car for another one*, keep it or return the car to the finance company
* A new finance agreement will be subject to status. ** Excess mileage charges and excess wear and tear charges may be payable upon return of the vehicle.
Hire Purchase (HP)
Hire Purchase is the simplest way to finance your car, spreading the cost over a period of time (typically between 24 and 60 months) and at the end of the agreement you own the vehicle.