01423 888899

Andrews Auto Parcs Ltd
Wetherby Road, Harrogate, North Yorkshire,
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Finance options at Andrews Auto Parcs Ltd

At Andrews we provide all of the popular finance options listed in the menu on the right-hand side.

Our knowledgeable staff will help you to choose the most suitable method for you to fund the purchase of your new car.

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Finance Explained

Finance FAQs

We hope this section helps answer any finance questions you may have. Of course, please feel free to call us with anything else on 01423 88 88 99.

Normally about fifteen minutes whilst you enjoy a coffee. We will then submit your proposal online and often receive an instant decision.
Of course! We offer a wide range of finance packages to suit your budget. You will only be offered the finance options most appropriate to you.
Sometimes but not always.
This will depend upon how much you wish to borrow and over what period you wish to repay the finance. Please ask for a written quotation.
Our APR is fixed at 7.9% and is available on every vehicle
Any period between two and five years.
Yes you can settle the finance at any time. Simply contact the finance company and tell them that you wish to do so.
We will settle off any outstanding finance on your existing vehicle on your behalf.
Your finance proposal can be processed and accepted the same day. Then simply bring your proofs of identification on the day of collection, check and sign your finance document and you can drive your car away.
As a general rule please bring your passport, full driving licence (card and paper counterpart) and a recent utility bill dated within the last three months excluding a water bill.
We may receive a commission from the finance company for the introduction.

Hire Purchase

Hire Purchase is the traditional way of funding your new car.

Hire Purchase enables you to pay an initial deposit (on occasions this initial deposit may not be required) and then clear the balance in fixed monthly installments.

At the end of the period the car is yours.

Personal Contract Purchase

A PCP or Personal Contract Purchase is a modern method of funding your new car.

A Personal Contract Purchase enables you to enjoy the best two or three years of a cars life coupled with fixed low monthly payments.

Using this method means that the future value of your car is guaranteed.

At the end of the plan you have three options:

  • Hand back the car with nothing more to pay (subject to conditions)
  • Exchange the car for a new one
  • Pay the guaranteed future value and buy the car outright.

Lease Purchase

Lease Purchase is a way of funding your new car.

Lease Purchase is the solution if you want to buy a vehicle outright but do not have the money to do so immediately.

Lease Purchase is normally used by VAT Registered companies or businesses and works in a similar fashion to PCP but with a fundamental difference.

Where as a PCP gives you the option to buy the car outright at the end of the contractual period, with Lease Purchase you already have an agreement to buy the car.

At the end of the lease period the customer must make a final balloon payment to purchase the car.

There is no return option.

The vehicle can appear as a balance sheet item and you can write down the value against taxable profits.

Personal Loan

Taking out a Personal Loan is a method of funding your new car.

A Personal Loan is also known as an unsecured loan.

A Personal Loan does not require you to put up an asset as insurance against the loan.

Similar to hire purchase, a Personal Loan enables you to pay an initial deposit (on occasions this initial deposit may not be required) and then clear the balance in fixed monthly payments.

Guaranteed Asset Protection

What is GAP Insurance?

In the eventuality that your vehicle becomes an insurance total loss, even if you have comprehensive insurance cover your motor insurer will usually only pay the current market value at the time of the total loss.

Andrews offers a GAP product to ensure that you can protect your investment. The product we offer is a combined GAP Insurance which combines the advantages of Finance GAP Insurance and Total Loss Return To Invoice GAP Insurance. This policy will pay the difference between the total loss settlement paid by the motor insurer and the original purchase price of the car or the amount required to settle the finance agreement, whichever the greater

For full details of this insurance including terms and conditions and exclusions please ask us for the key facts document.

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Andrews Auto Parcs Ltd is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Andrews Auto Parcs Ltd to act as a credit broker, not as a lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance distribution activities only.