Finance at eCars Ltd
eCars Ltd is authorised and regulated by the Financial Conduct Authority (FCA) to arrange vehicle finance. If you are looking to finance or simply settle a current finance agreement we may be able to help.
You can trust eCars Ltd
eCars Ltd takes finance very seriously, we will never offer a finance agreement that will not suit the individual - it's just not our way of doing business. We are committed to getting the right car and the right finance agreement for you, that way you will drive away happier, and good chance we'll see you again.
We work with many lenders, you can be assured that your next vehicle purchase will be handled professionally and with personal care, making the whole experience smooth and stress-free. If you would like to see what finance packages we can offer you, simply use our online application form and we can process your application within a few hours.
We work closely with our established network of the UK’s largest automotive finance providers, a selection of which are listed below:
- Close Motor Finance
- Advantage Finance
- CarLoan4u
- Car Finance 247
- First Response Finance
- Zuto, plus many more
Authorised & regulated by the FCA (Financial Conduct Authority)
The FCA ensures that firms stick to the rules and ensure that customers don't fall victim to scams or get tied to unfair contracts.
Good credit or poor credit?
Something does not always go to plan and we have lots of different finance options that may help you to decide which finance options suits you best. Finance will be tailored to your needs, you may have an excellent credit rating or a poor rating, and we will ensure you find the finance agreement that suits your needs and helps you to get back on track.
What is hire purchase?
Hire purchase is a simple and traditional way to fund your new car. Simply, you pay fixed monthly amounts over a period of time you choose, usually between 12, 24, 48 or 60 months, that's 1 to 5 years. Once you've made all the payments the car is yours, it's as simple as that. Benefits:
- Covers good or bad credit ratings
- Finance secured against the car - not your home
- Once you have paid the outstanding finance and you simply own the vehicle
What's a PCP? (Personal Contract Purchase)
PCP, or Personal Contract Purchase, is a very flexible finance option when choosing a new or used car.
The value of the car at the end of the contract is estimated at the start of the agreement. This deferred sum is known as the Guaranteed Minimum Future Value (GMFV) and is based on a number of factors including how old the car will be at the end of the agreement and how many miles it is expected to have covered. At the end of a PCP contract you do not own the car, the finance company still owns the car throughout the contract period or you buy the car buy paying the outstanding GMFV, give the car back or part exchange for another car. Benefits:
- Low Monthly Repayments
- Change your car regularly
- Choose the length of your loan
We can offer a range of competitive and flexible finance options for both new and used vehicles purchases - deciding how to finance your vehicle is an important decision and the brief video below will walk you through how Hire Purchase (HP) and Personal Contract Plan (PCP) works.
In brief, Hire Purchase (HP) is one of the most popular ways of financing A vehicle. This is where you pay an initial deposit followed by monthly payments and when all the payments are made, the vehicle is yours. Another Popular way to finance your vehicle is on a Personal Contract Plan (PCP) - meaning Smaller monthly payments, with a higher one off final payment. Ecarsure.com is authorised by the FCA with limited permission to conduct certain credit related activity. We are a credit broker and can introduce you to a limited number of lenders who provide funding. We may receive commission for introducing you to such lenders.
Ecarsure.com is trading as a credit broker and not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference 777525. We can introduce you to a limited number of lenders while providing details of finance products available. We will not charge you a fee for an introduction, but will typically receive a commission from the lender. Lender’s commissions may vary. The commission received does not influence the interest rate you will pay. For questions about commission, please speak to us. Ecarsure.com. Swan Business Centre, 4 Higher Swan Lane, Bolton, Lancashire, BL3 3AQ.
Representative finance examples are for illustrative purposes only. Finance is subject to status and credit acceptance. Terms and conditions apply. Available to 18s and over & UK residents only. Guarantees and/or indemnities may be required. Excess mileage and damage charges may apply when the vehicle is returned.
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