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Ford Finance Overview

Understanding How Gates Finance Works

At Gates, we understand that Motor finance can be confusing. The videos on this page explain the different types of finance available and the benefits of using specialist motor finance to fund your next car purchase.

Why use Gates Finance?

There are many reasons to use Gates to fund your next vehicle purchase. This video will tell you why, in plain English

What is HP?

Hire purchase is the traditional way of funding a vehicle purchase. There are several benefits to using secured finance to pay for your new car rather than using an unsecured personal loan, your savings or your mortgage.

What is PCP?

A Personal Contract Purchase is the most common way of purchasing a new car in the UK, but it is increasing in popularity for buying a used car. The benefits include:

  • Afford a more expensive car
  • Lower your monthly repayments
  • Reduce the length of your agreement
  • Change your car more regularly

What is Lease Purchase?

Designed to reduce monthly payments by delaying part of the repayment to the end of the agreement. The monthly payment, deposit, annual mileage and final payment can all be adjusted to your needs, and the agreement can be settled at any time. 

Looking for a particular car but don't know if it is within your ideal budget?

Use our "Vehicle Search" to find your car and see accurate finance quotes displayed next to it.

  • Use the adjustment bar to tailor the finance quote to a monthly payment you feel comfortable with.
  • A longer contract period, a larger deposit and lower annual mileage will all make your monthly payment lower.
  • Remember that the value of your part exchange can be used as part or all of your deposit.

Find your ideal car now!

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