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Qualify for a loan
Hire purchase: requires you to put down an initial deposit, this is usually the full VAT followed by fixed monthly repayments.
These repayments typically range between 24 and 60 months.
At the end of the contract or sooner, having paid all the payments outstanding plus any option to purchase fee, you will own the vehicle.
Finance lease: requires you to put down an initial advance rental; this can be sometimes as little as your first monthly rental, followed by a fixed term and mileage consideration with contract options between 24 and 60 months, usually followed by a ‘final rental’ or ‘balloon’.
Contract hire: requires an initial advance rental which can be as little as your first monthly rental, followed by a fixed term and mileage with contract options between 24 and 60 months.
At the end of the contract you are able to return the vehicle to the funder, letting them take responsibility for the risk of depreciation and disposal.
There are terms and conditions which could incur additional costs on return, including mileage and vehicle condition.