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Finance.
New and Used Car Finance Offers
Once you’ve found the perfect new car, Dickson’s are on hand to help you make it yours! This is why we offer fantastic car finance offers on all of our new and used cars. If you can’t make one lump sum payment to get the keys, we will help you finance the purchase with one of our popular PCP car deals or other type of car finance plan. Read on to find out how the different finance options work and which is best for you.
Available New and Used Car Finance
Personal Contract Purchase – PCP
PCP is an increasingly popular choice for car finance. PCP car deals offer the best in flexibility at the end of the agreement and allow you to make low fixed monthly payments. At the beginning of the agreement your car’s guaranteed future value (GFV) is calculated, based on the vehicle’s age and the amount of miles you’re likely to cover annually. With a PCP Agreement you don’t have to commit to buying the car as you can wait until the very last payment to decide what you want to do. The options you could choose include:
- Buy the car by paying an agreed minimum residual value
- Part-Exchange the car for another
- Sell the car privately
- Return the car with nothing more to pay (e.g. if depreciation resulted in negative equity)
Hire Purchase – HP
The traditional and popular funding option, HP finance means that you loan a vehicle but will eventually own the vehicle, at the end of the loan plan. This finance option has a fixed cost over a fixed period so that you can easily spread the cost of the vehicle over your chosen period of time. You are effectively the owner of the vehicle during this time, but legally, the title of the car does not pass until the loan agreement is fully repaid with a final payment which includes a nominal “option to purchase” fee.
Lease Purchase
Lease Purchase is a funding agreement wherein the purchaser acquires ownership when all the payments, including the option to purchase fee, have been made. Part of the capital cost of the vehicle payment may be deferred into a “balloon” payment at the end of the agreement, which equates to the anticipated value of the vehicle. This option is beneficial for individuals who are not looking to budget over the course of the loan.
Contact Us
To find out more about new and used car finance plans from Dicksons, you can get in touch with our friendly and knowledgeable team on 01463 712800 or leave us an online enquiry and we will get back to you shortly.
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Monday08:30-17:30
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Tuesday08:30-17:30
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Wednesday08:30-17:30
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Thursday08:30-17:30
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Friday08:30-17:30
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Saturday08:30-17:00
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Sunday12:00-17:00
FAQs
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What car finance options does Dicksons offer?
Dicksons of Inverness provides comprehensive car finance solutions, including Personal Contract Purchase (PCP), offering lower monthly payments and flexibility at the end of your agreement; Hire Purchase (HP), where you own the car outright after the final payment; and Lease Purchase agreements for straightforward monthly payments.
We work with multiple FCA-regulated finance providers to ensure competitive rates and approval for a wide range of credit profiles, from first-time buyers to customers with perfect credit histories.
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What's the difference between PCP and HP finance?
Personal Contract Purchase (PCP) involves lower monthly payments, a final optional balloon payment if you wish to keep the car, and flexibility to return the vehicle or part-exchange it at the end. Hire Purchase (HP) features fixed monthly payments throughout the term, automatic ownership once the final payment is made, and typically higher monthly payments than equivalent PCP.
At Dicksons of Inverness, our finance specialists explain both options in detail, helping you choose based on your budget, how long you keep vehicles, and whether you want ownership or flexibility. Both options are available on new and used vehicles.
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Can I get car finance with bad credit?
Yes, Dicksons of Inverness works with specialist lenders who consider applications from customers with poor credit history, CCJs, defaults, or even previous bankruptcy. Whilst interest rates may be higher for adverse credit applicants, approval is often possible. We assess each application individually and work hard to find suitable finance solutions.
Being approved for car finance at Dicksons can also help rebuild your credit score through consistent, on-time payments, improving your financial standing for the future. Speak to us for more information.
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How much deposit do I need for car finance?
Deposit requirements vary depending on the finance product and your circumstances, but typically range from zero to 20% of the vehicle price. Many customers at Dicksons contribute 10% deposit to reduce monthly payments and improve approval chances.
Part exchange vehicles count towards your deposit, often eliminating the need for cash upfront. Zero-deposit finance is sometimes available, particularly on selected manufacturer offers. Our finance team will discuss optimal deposit levels based on your budget and the vehicle you're purchasing.
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How quickly can finance be arranged at Dicksons?
Finance applications at Dicksons of Inverness can often be completed the same day. Our streamlined process includes an initial soft credit search that doesn't affect your credit score, presentation of tailored finance options from our panel of lenders, and a formal application submission upon your agreement.
Subject to finance approval and vehicle preparation, you can drive away the same day. For customers researching in advance, we can provide quotations without running credit checks, allowing you to plan your budget comfortably.
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What paperwork do I need to apply for car finance?
To apply for car finance at Dicksons of Inverness, please bring a valid UK driving licence (photocard and paper counterpart if applicable), proof of address dated within the last three months (utility bill, bank statement, or council tax bill), proof of income (recent payslips for employed customers, bank statements or accounts for self-employed), and details of any part exchange vehicle including finance settlement figure if applicable.
Having these documents ready ensures we can process your application efficiently and get you on the road as quickly as possible.