Used Car Finance in Essex
At Cavectra Centre, we make financing your next car in Essex straightforward. Whether you're in Grays, Thurrock, or beyond, our flexible finance options are designed to suit your budget, helping you drive away with the perfect used car without the financial stress. Explore our competitive rates and tailored plans today.
Typical Representative Finance Example
| Product Hire Purchase | Cash Price £4,495.00 |
| Total Deposit £449.50 | Total Amount of Credit £4,045.50 |
| First Payment £86.73 | 58 Monthly Payments £86.73 |
| Final Payment £86.73 | Agreement Duration 60 months |
| Admin Fee £0.00 | Option to Purchase Fee £0.00 |
| Interest Charges £1,158.30 | Total Amount Payable £5,653.30 |
| Annual Fixed Interest Rate 10.90% | Representative APR 10.90% |
| Product Hire Purchase | Cash Price £4,495.00 | Total Deposit £449.50 | Total Amount of Credit £4,045.50 | First Payment £86.73 |
| 58 Monthly Payments £86.73 | Final Payment £86.73 | Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £0.00 |
| Interest Charges £1,158.30 | Total Amount Payable £5,653.30 | Annual Fixed Interest Rate 10.90% | Representative APR 10.90% |
| Product Hire Purchase | Cash Price £4,495.00 | Total Deposit £449.50 | Total Amount of Credit £4,045.50 | First Payment £86.73 | 58 Monthly Payments £86.73 | Final Payment £86.73 |
| Agreement Duration 60 months | Admin Fee £0.00 | Option to Purchase Fee £0.00 | Interest Charges £1,158.30 | Total Amount Payable £5,653.30 | Annual Fixed Interest Rate 10.90% | Representative APR 10.90% |
FAQ
What Finance Options Are Available For Purchasing Used Cars In Essex?
At Cavectra Centre, we offer a variety of finance options to suit your budget and needs, including Hire Purchase (HP) and Personal Contract Purchase (PCP). Our finance experts are on hand to guide you through the available plans and help you find the best option.
Can I Apply For Car Finance If I Have Bad Credit?
Yes, at Cavectra Centre, we understand that everyone's financial situation is different. We work with a range of lenders to provide finance solutions for customers with various credit histories. We encourage you to apply as we often find solutions for those with less than perfect credit.
What Documents Do I Need To Provide When Applying For Car Finance?
Typically, you will need to provide proof of identity (such as a passport or driving licence), proof of address (recent utility bill or bank statement), and proof of income (recent payslips or bank statements). Our team will inform you of any additional documents required during the application process.
How Long Does It Take To Get Approved For Car Finance?
The approval time can vary depending on the lender and your individual circumstances. However, at Cavectra Centre, we strive to make the process as quick as possible, often securing finance approvals within 24 to 48 hours.
Can I Use A Part Exchange As A Deposit For My Car Finance?
Absolutely! At Cavectra Centre, we accept part exchanges as a deposit towards your next vehicle. We will assess the value of your current vehicle and apply this amount as a deposit for your finance agreement.
Are There Any Restrictions On The Cars I Can Purchase With Finance?
At Cavectra Centre, most of our used cars and vans in Grays, Thurrock, and Essex are eligible for finance. However, some restrictions may apply based on the age and mileage of the vehicle. Our team can provide specific details based on the car or van you are interested in.