Joe Macari offers the best possible advice and is able to provide flexible funding options to help you acquire your car.
At Joe Macari, we offer a range of different finance options to our customers, ensuring that they are fully informed of the choices available before they commit to a purchase.
We've built successful relationships with a number of funders, allowing us unrivalled access to the market's best finance packages. Whatever your individual need, we can help find a solution that works for you. The different types of finance agreements include:
Hire Purchase
This involves paying fixed monthly amounts to spread the cost of purchasing your car over a number of years. Deposits are flexible, and having fixed-rates and payments help you to budget effectively. Terms are available for 12-60 months.
Lease Purchase
This payment option is best suited to higher value cars and for customers who regularly change their car. It works in a similar way to a hire purchase, but the main difference is a balloon payment is made at the end of the agreement if you decide to keep the car. If not, you can choose to part-exhange the car, or re-finance.
Personal Contract Purchase
PCP agreements are made up of monthly payments but are offset by a final payment. This is similar to a lease purchase, but the difference is that the final payment is optional. This option is suitable for customers who are looking to keep the same car for the duration of their finance agreement.
Whichever payment option you choose, the team at Joe Macari will be on hand to help you manage your finance agreement.