FINANCING YOUR CAR

Our friendly and knowledgeable team are here to help. We have a large panel of lenders available to suit all circumstances, even if you have been declined before.

If you are considering one of our cars why not carry out a free eligibility check with CarFinance checker.

When it comes to considering your next car, at CCS Car Sales, we could have you on the road sooner than you think thanks to our competitive finance packages.

We are in the fortunate position to bring you a raft of options that put you in control. When buying a car on finance from CCS you have two options available to you. Let us explain your options and how they work. If you prefer to use a third party finance company such as Zuto or car finance 247, a £200 admin fee will be applied.

PCP

A flexible finance product PCP puts you in control and provides you with an opportunity to purchase a higher specification vehicle with the help from manageable monthly payments. 

PCP allows you to:

- Finance the whole car, but only pay for some of it while using it.
- Decide on the duration of the plan (between 18-48 months).

How it works:

- We come to an agreement on an initial deposit with you
- Guided by your monthly budget we fix your repayments
- Come the end of your contract term you have a number of choices available to you. You can either choose to keep your car, trade it in for a different model or return the car to us. It's as simple as that.

HP

Another option available to you is Hire Purchase. Hire Purchase or HP is ideal if you want to become the owner of the car eventually. HP requires you to put down a deposit and then the remaining balance is divided equally over the duration of the loan.

Hire Purchase allows you to:

- Set monthly repayments with no mileage limits.
- Build in servicing and maintenance costs, and pay for accessories.

How it works:

- We agree a deposit amount with you.
- We set fixed monthly repayments (of up to 60 months).
- After the final repayment, the car is yours.

CCS Car Sales Thatcham Ltd are authorised and regulated by the Financial Conduct Authorised under RFN 654899.

 CCS Car Sales Thatcham Ltd is authorised as a credit broker, not a lender.

 We are committed to treating customers fairly whilst ensuring our products and services are suitable for their needs.

 We can introduce you to a limited number of lenders who might be able to finance your purchase. We will only introduce you to these lenders.

 You may be able to obtain finance for the purchase from other lenders and we encourage you to seek alternative quotations.

 We, CCS Car Sales Thatcham Ltd, may receive a commission payment for introducing you to a lender. This could be a fixed amount or a fixed % of the lend. You may request the disclosure of this amount.

 Please note, if you have any health issues, difficulty understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation presented, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know, help you make your decision. You should asses the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations.

 Your credit rating could be adversely affected if you do not keep up with your payments. This could make it harder for you to obtain credit in the future and/or make it more expensive.

 If you wish to register a complaint, please contact us in writing at [email protected] or by post at CCS Car Sales Thatcham, 65 -67 Bath Road Thatcham RG18 3BD. You can also contact us via phone on 01635860011

 If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you cannot resolve a complaint with us, you may be entitled to refer it to the Financial Ombudsman Service, In writing: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.

 Throughout the process of administering services for you, we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any service you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.