Applying for Car Finance

At Bells Crossgar Motors, we offer different types of car finance. These include Hire Purchase (HP) Finance, Personal Contract Purchase (PCP) Finance and Personal Contract Hire (PCH) Finance.

Hire Purchase (HP) Finance:

Available on a 48 month contract which can be extended to a 60 month contact preferred.
An initial deposit is required at the start of the contract agreement, followed by fixed monthly payments made throughout the term of agreement.
At the end of the contract term, you will own the vehicle if the optional final payment has been made.

Personal Contract Purchase (PCP) Finance:

Available on a 36 month contract.
An initial deposit is required at the start of the contract agreement, followed by fixed monthly payments throughout the term of agreement.
At the end of the contract term, you'll have a choice of three options:

Personal Contract Hire (PCH) Finance:

Agreement of contact length and contract mileage with an initial deposit at the start of contract agreement.
Fixed monthly payments made throughout the term of agreement.
At the end of the contract term, you must return the vehicle (Further charges may be made subject to the condition or mileage of the vehicle).

If you'd like to know more about the different types of car finance available to you, watch the video below. Kathryn from Bells Crossgar Motors discusses the difference between HP finance, PCP car finance and PCH finance.

If you'd like to enquire or get further advice, fill out the form or click the button below. You can also contact 028 4483 3233 to speak with a member of our expert sales team.

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Let us know how we can help you to spread the cost of your new car, fill in the form below!

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Company Info

Info

Reg Office: 1 Downpatrick Road, Crossgar, Downpatrick County Down Northern Ireland BT30 9EQ

Reg. Company No. NI633172

VAT Reg. No. 220940048

Financial Disclosure

Bells of Crossgar Limited trading as Bellscrossgar.com, Bells Fast Fit and Bells Peugeot is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Bells of Crossgar Limited trading as Bellscrossgar.com, Bells Fast Fit and Bells Peugeot to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only. We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.