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Car Finance

At Castlefield Car Centre Ltd we can help you with finance for your car purchase. As we are an independent family owned company we have the flexibility to deal with a wide variety of approved finance companies and source the best used car finance deal for you.

-Fixed rates, not variable
-Low rates
-Outstanding finance settled
-Negative equity settled within your deal
-Hire Purchase
-Guaranteed future value deals available
-Personal Contract Purchase
-Low or no deposit
-Deferred payments, buy now pay later


Finance Options Explained

Castlefield Car Centre Ltd offer two main types of finance package - "traditional" HP and Personal Contract Plan (PCP).

Traditional HP

With traditional HP you borrow the amount required to purchase a car, fixed repayments are then made over an agreed period of time. At the end of the agreed term there is no balance owed and you own the vehicle.

Personal Contract Plan

With PCP, you are offered a guaranteed future value for your new car and borrow only the difference between the cost price and this amount. At the end of the term you can pay the balance and keep the car, or return the vehicle or part exchange it for a newer one! Because of the smaller loan amount, PCP deals generally work out to have lower monthly repayment options and guaranteed future value eliminates risk of negative equity and protects against deprecation. PCP is ideal for people who like to change their vehicle regularly.



Representative example

EXCELLENT credit rating:

Cash Price: £11,000

Deposit: £1,000

Monthly Payment: £206.93

Term: 60 months

APR: 9.89%

Option to purchase fee: £299

Total charge for credit: £2,714.80

Total amount payable: £13,714.80

Representative example

AVERAGE credit rating:

Cash Price: £11,000

Deposit: £1,000

Monthly Payment: £216.25

Term: 60 months

APR: 11.89%

Option to purchase fee: £299

Total charge for credit: £3,274

Total amount payable: £14,274

Representative example

BAD credit rating:

Cash Price: £3,995

Deposit: £250

Monthly Payment: £124.25

Term: 48 months

APR: 29.92%

Option to purchase fee: £299

Total charge for credit: £2,518

Total amount payable: £6,513



We are trading as a credit broker and not a lender, and are authorised and regulated by the Financial Conduct Authority, firm reference 845701. We can introduce you to a limited number of carefully selected finance partners and may receive a commission from them for the introduction. Castlefield Car Centre Ltd, Unit 24 Midland Street,Manchester, M12 6LB.
Representative finance examples are for illustrative purposes only. Finance is subject to status and credit acceptance. Terms and conditions apply. Available to 18s and over & UK residents only. Guarantees and/or indemnities may be required. Excess mileage and damage charges may apply when vehicle returned.
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