FINANCE PACKAGES

FINANCE OPTIONS

HIRE PURCHASE

This loan type enables buyers to spread the cost of a vehicle over an agreed, fixed term for a desired amount, typically 60 months maximum and 12 months minimum. This can be paid or settled in part or fully at any time without any penalty and in fact any outstanding/unused interest being rebated. Sometimes car buyers finance the entire value of a car, or choose to use a part exchange, cash or a combination of the two as a deposit, ideally finding a suitable monthly direct debit.

PERSONAL CONTACT PURCHASE (PCP) or FINAL PAYMENT

Much like a Hire Purchase plan, a PCP or BALLOON has a final payment at the very end of the agreement term (typically 48 months maximum in term). This amount helps to offset a portion of the loan, reducing the monthly repayments and therefore enabling the hirer to sometimes get more car within a monthly budget. With such strong residual values on Lotus cars, this is a very popular option given that there can often be equity at the end of the agreement for owners to trade into their next car.

LOTUS 50/50

Unique to new Lotus cars, this hire purchase option enables hirers with a 50% deposit of the value of the purchase, to finance the other half for 2 years. There is no monthly payment and finance is 0% APR. At the end of 2 years, the other 50% is due. It’s that simple…

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