FISKEN MOTOR GROUP : FINANCE

For most people, buying a car is the second biggest purchase they will make next to their home. That is why it is always better to seek good and honest advice when it comes to choosing how to finance your vehicle. Here at Fiskens we always try to give the sort of advice we would like to be given ourselves.

All our sales staff are fully accredited by the Financial Services Authority.

With so many schemes available to suit every motorists needs we have detailed below a comprehensive list of the schemes and services available.

For any further information just call one of our experienced sales staff.

Individual Finance

Purchase Plan

Summary of benefits:

• Simple and affordable, giving you the customer ownership of a new or used vehicle
• Low initial outlay with terms to suit the budget available
• Easy to understand and simple to arrange
• Added peace of mind of protection plans available

'Personal Protection'

• Security and peace of mind for you and your family
• Ensures finance payments will be made in event of death, sickness or accident, or redundancy

'Vehicle Protection'

• Added peace of mind to protect against future financial loss
• Valueguard protects against financial loss after vehicle is written off or stolen
• Sureguard extends the warranty on the vehicle
• Service and Maintenance ensures they budget for the unexpected costs in the future

Guaranteed Purchase Plan

• Most popular route because of the range of choices available to tailor the plan to your needs
• The most flexible plan available
• Allows you to plan your budget in whatever way suits you best

'The Choices at the start'

You the customer can find the perfect balance by adjusting these amounts to suit you best. They include:

• The size of deposit
• How much you want to pay each month
• The length of the term
• The size of the final payment
• Whether you want guaranteed equity
• 'The Choices at the end'

You the customer can:

• Hand the vehicle back with nothing to pay
• Trade it in and settle the finance
• Make the final payment and own the vehicle

'Guaranteed Equity Option'

You can adjust monthly payments to guarantee that you have the equity you need for a deposit on the next car.

Personal Lease Plan

'Affordable'

• Offers affordable use of a new car for a fixed period
• Low initial outlay - normally 3 to 6 months' rental in advance
• Lower monthly payments - they include VAT, but are calculated on the price of the vehicle, less VAT and less its residual value
• Ideal choice for a customer receiving a vehicle allowance from your employer rather than a company car
• Ideal if you want to replace your car regularly

'Simple and Flexible'

• You can drive a new car by paying a fixed monthly cost over a period of 24 to 48 months
• Since payments are fixed in advance, it's easy to plan and budget
• Payments cover the full use of the car up to an agreed mileage

'Low Risk'

• Removes the potential costs and concerns over depreciation that are associated with car ownership
• Return the vehicle at the end of the term in appropriate condition and without exceeding the agreed mileage and there will be no more to pay

'Fixed Cost'

• Service and maintenance can be included in the plan - convenient and painless
• Leaves nothing to worry about other than day-to-day running costs and insurance
• Insurance plans ensure the customer can buy a car in confidence because we help remove the risk of motoring
• Payments can be included in the customer's finance plan, painlessly spreading the cost

'Personal Protection Plan'

• Protects you and your family against financial loss should future circumstances change
• Available in three levels of cover, depending on your needs

'Vehicle Protection Plans'

• Protects you against the potential future costs associated with the vehicle
• Valueguard - covers the shortfall if the insurance pay-out is not sufficient to replace the vehicle or pay off the outstanding finance in the event of theft or an insurance write-off
• Sureguard - provides an extended repair warranty to cover the vehicle for an agreed period after the manufacturer's warranty expires
• Service and Maintenance - covers selected servicing and maintenance costs