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Finance

The German Car Group offer finance with as little as £100 deposit on any vehicle in stock. With rates from as low as 12.9% APR representative and no admin fee's you'd have to go a long way to find a better finance offer. Why not see if you’re eligible for finance by using our FREE finance check - the service is FREE, won't impact your credit rating and should take under 5 minutes.

An application, which can be made by entering your details below or contacting us, takes around 15 minutes to complete. In most cases your acceptance will come through within 60 seconds! Before making an application you can get an accurate quote on your next car by using our online calculator which can be found on any of our cars’ adverts. Here you can adjust term lengths, deposits and approximate Credit Scores to get a figure that matches your situation. We use a panel of lenders, who can obtain the lowest ARP rating available for your specific requirements.
HP
HP Explained - Hire Purchase agreements run with a regular monthly instalment that is unchanging for a term of 2, 3, 4 or 5 years. Once all of the instalments are made, you will own the car outright with nothing left to pay.

Hire Purchase agreements are usually more expensive on a monthly basis, but have the benefit of the customer owning the car at the end with no further payments. If you were to sell or part exchange your car at the end of a HP agreement, you would keep all of the money the car was sold for.

PCP
Personal Contract Purchase (PCP) is similar to a Hire Purchase in the way of monthly payments being regular and unchanging. PCP’s have a maximum term length of 4 Years, and have a milage cap which can be set anywhere up to 20,000 miles a year. When you start a PCP you will be made aware of a ‘Balloon Payment’ which is set at the start of the agreement. This payment is essentially differed until the end of your agreement where you will have 3 options.

1. Pay the Balloon Payment and own the car outright (This can usually be refinanced, but is not always possible)
2. Give the car back to the finance company, no further payments.
3. Part exchange the car with a dealership like you normally would, but you would need to use a portion of the cars value to pay the remaining Balloon Payment.

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