How car finance works

1 Browse Browse our selection of exceptional used cars available to buy, reserve online or finance.
2 Calculate Choose the finance deal that suits you best and calculate your payments, you can even part-exchange your old car!
3 Apply Apply for finance through our website. Once approved, pay the deposit, sign the documents online and select your delivery method.
4 Get Approved That's it! Collect your car from one of our dealerships or we'll deliver it straight to your door.

Different types of car finance

PCP Car Finance
Hire Purchase Car Finance
Lease Purchase Car Finance
Our Finance Providers
Black Horse
Evolution Finance
Alphera Financial Services
CA Auto Finance UK Ltd
MotoNovo Finance
Marsh Finance Ltd

About Vehicle Finance

Find our more about the finance products available to you to fund your new car purchase. Our team is available to assist with any questions, whether upfront or throughout the journey should you wish to purchase online.

By paying for your next vehicle through finance, you will find that budgeting for it is straightforward. At Sturgess Motor Group we offer plans that are suited to a variety of motorists and budgets, and will help you to find the right agreement for you.

An experienced Retail Managers and Sales Executive will always be here to help, answering your queries and tailoring a plan to your individual circumstances. All our plans are straightforward, but an adviser will make sure you fully understand the terms before you sign up.

Your vehicle finance options

A number of finance options are available to help you find the most suitable plan. From 0% APR representative and low monthly payments to models available with a low deposit, we’re able to tailor many of our finance options according to your particular circumstances.


Advance Payment Plan

An Advance Payment Plan allows you to drive your ideal car without paying a regular monthly fee. Simple make one upfront payment and choose from three options at the end of the agreement:

  • Renew the lease and choose a new model
  • Pay an optional final payment and own the vehicle
  • Return the vehicle and pay nothing more (subject to mileage restrictions and vehicle condition).

Hire Purchase

With Hire Purchase, you pay an initial deposit followed by fixed monthly payments for an agreed period of time.

You are essentially hiring the car until the final payment is made, when you become the outright owner.

Personal Contract Hire

Personal Contract Hire is like any other Contract Hire plan, but is designed for motorists that need a car for private use.

You will be given the keys to your chosen car for an agreed period and will pay a fixed lease fee for the length of the contract.

Once the agreement ends, you simply hand back the keys and face no depreciation costs.

Balloon Hire Purchase

Balloon Hire Purchase is similar to a standard Hire Purchase agreement, but involves a deferred ‘balloon’ payment which is held until the end of the agreement. 

This bulk payment reduces your regular payments, and is not optional. Once the balloon payment has been made, you own the vehicle. 

Business Contract Hire

Business Contract Hire involves leasing a vehicle for an agreed period of time. Running costs such as vehicle tax and maintenance are covered by the lease payment, and once the agreement ends, the car is returned. Businesses can claim back VAT to save money, and do not need to worry about disposing of the vehicle when it is no longer needed.

Find your ideal finance plan

Click the finance plan links on this page for more details on each of the agreements mentioned above. Enquire with your local Sturgess dealership to discuss your options and to book a test drive.

General Terms and Conditions:

Please note you will not own the vehicle outright until all payments are made. If you default on your finance payments, then the vehicle may be repossessed by the finance provider.

You must be 18 years or older to apply for finance. Finance is not guaranteed, and any finance application is subject to a credit check and individual circumstances.

The finance provider will have their own Terms and Conditions, please contact them directly for further information.

The lenders we work with are:

Black Horse | MotoNovo Finance | Alphera Financial Services | Santander | FCA Financial Services | Suzuki Financial Services | Hyundai Financial Services