Premier GT are authorised and regulated by the Financial Conduct Authority (“FCA”) under Firm Reference Number (FRN) 820456. We are a credit broker not a lender and we do not charge a fee for our credit broking services.
We can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. Whichever lender we introduce you to, we will typically receive commission from them, calculated by reference to the vehicle age or amount you borrow. The lenders we work with may pay commission at different rates. However, the amount of commission we receive from a lender does not have an effect on the amount you pay to that lender under your credit agreement. The amount of commission will be made available to you upon request.



If you would like to finance your purchase, we have a fantastic relationship with the UK's leading finance companies. Whatever your requirements, we can offer a package that is individually tailored to your needs.

Hire Purchase

What is it?

A simple way of financing that gives you the certainty of a fixed interest rate, and fixed monthly payments throughout the agreement. The initial deposit and repayment period can be structured to help meet your budget and the length of time you expect to keep the car. You can trade in your existing car and put this towards the initial deposit, or if you wish, just out down a cash deposit.

How does it work?

We will structure the agreement to meet your individual requirements based on the car, the agreement duration required, the available deposit and your monthly budget.

After paying the initial deposit you make regular monthly payments to cover the amount borrowed plus any interest and fees.

The interest rate is fixed which means you'll know exactly how much you will repay throughout the term of the agreement.

Once all of the payments have been paid the car is yours.

Features and Benefits

A guaranteed fixed monthly payment, allowing you to budget with confidence.

This type of agreement is covered by the Consumer Credit Act 1974, which means you can pay off lump sum amounts during the agreement.

You can settle the agreement early by repaying the required amount.

Lease Purchase

What is it?

This is a more flexible form of purchase agreement. The initial deposit and repayment periods can be structured to meet your requirements and budget. A final lump sum balloon payment option is available if you would rather make lower repayments throughout the agreement. The balloon payment is calculated on the anticipated value of the car at the end of the agreement.

How does it work?

We will structure the agreement to meet your requirements based on the car, the agreement duration, your deposit and monthly budget.

After paying the deposit you make regular monthly payments and any balloon payment, to repay the amount borrowed plus any interest and fees.

The interest rate is fixed which means you'll know exactly how much you will repay throughout the term of the agreement.

At the end of the monthly payment period you have two options. You can retain the car (simply pay the balloon payment, and the car is yours) or renew the car (choose another car, using any equity towards your deposit).

Features and Benefits

Provides lower fixed monthly payments by offering the option of a balloon on the final repayment.

Can allow you to change the car more frequently if you finance over a shorter term.

Payments are not subject to VAT since this type of agreement is a purchase plan.

There are no mileage restrictions.

This type of agreement is covered by the Consumer Credit Act 1974, which means you can pay off lump sum amounts during the agreement.

You can settle the agreement early by repaying the required amount. 

Personal Contract Purchase

What is it?

Similar to a Lease Purchase agreement but with additional flexibility since part of the cost is deferred until the end of the agreement which may give you the benefit of lower monthly payments. The deferred amount is known as the Guaranteed Future Value (GFV) sometimes known as Optional Final Payment.

At the end of the agreement you have three options. You can retain the car (simply pay the Guaranteed Future Value, and the car is yours), renew the car (choose another car, using any excess part exchange value that is above the Guaranteed Future Value towards your deposit) or return the car (there's nothing more to pay if the car is in good condition and within the agreed mileage terms).

How does it work?

We will agree with you an estimated annual mileage and this will be used to determine the car's GFV.

You agree on the amount of deposit, and this figure combined with the agreement duration and GFV will determine the amount of your monthly payment.

You sign the agreement, pay the deposit and then make the monthly payments.

The interest rate is fixed which means you'll know exactly how much you will repay throughout the term of the agreement.

At the end of the agreement we'll write to remind you of the three available options. You decide which option is best for you. We may be able to help if you decide to part exchange the car.

Features and Benefits

A guaranteed fixed monthly payment, allowing you to budget with confidence.

Potentially lower payments than a Conditional Sale agreement.

Variety of options available at end of the agreement.

You can match the length of your agreement with the time you want to keep the vehicle.

This type of agreement is covered by the Consumer Credit Act 1974, which means you can pay off lump sum amounts during the agreement.

You can settle the agreement early by repaying the required amount.

Equity Release

What is it?

If you own a high value vehicle you may be able to release the capital that is tied up in it by discussing the options available with our team of advisors.

Whether you are looking to extend your investment in cars, purchase an investment property or raise additional cash for personal reasons, you can release equity from your vehicle.

The equity release process means we buy your car from you and sell it back to you on a funding facility that meets your needs. There is no intermediary dealer making the process as straightforward as possible.

Re-Financing

What is it?

We are happy to re-finance existing finance agreements with another lender, whether it is in order to meet a final balloon payment that is due, or if you are part of the way through an agreement and wish to alter the terms. This process is straight forward and you can have the funds in your account within 72 hours.

Please call us today on 01903 254800 so we can help find the right finance solution for you.

Premier GT are an Appointed Representative – Introducer with the Financial Conduct Authority.
Firm Reference Number: 724280.

 

 

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