Used Car Finance with Berkshire Used Cars

Berkshire Used Cars is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit purposes (Ref 665435). You can check this on the FCA website fca.org.uk or by contacting the Financial Conduct Authority on 0800 111 6768.

It is important that you always borrow money through an FCA approved agent as this shows the business has met the strict legal requirements and compliance that is set out by this financial regulatory body, ultimately protecting both sides.

Berkshire Used Cars can tailor the most competitive funding solution to meet your needs.

First of all though, what type of used car finance is out there for you?

On selected vehicles Berkshire Used Cars can offer Conditional Sale (HP) and Personal Contract Purchase (PCP) with terms of 1-5 years, funded balances from £1000 and deposits to suit customers individual budgets.

What is Conditional Sale (HP)?

A hire purchase is a method of buying goods through making instalment payments over time. You pay an initial deposit, followed by monthly payments which are set by you. Once the final payment is made the contract ends and you own the car.

What is Personal Contract Purchase (PCP)?

This is where you pay an initial deposit, followed by fixed monthly payments. At the end of your payments a final ‘balloon’ payment remains. You can either pay this in order to keep the car, part exchange for a new car or hand the car back.

What is Guaranteed Asset Protection (GAP)?

GAP Insurance covers the difference between the actual cash value paid for the car and the insurance companies write off valuation. Berkshire Used Cars are an introducer of this product and your details will be passed onto Jelf Insurance Brokers who will provide full coverage.


Can we give you independent financial advice?

No, we are not independent financial advisors and so are unable to provide you with independent financial advice.

Customising your finance

Did you know you can also tailor your finance quote to suit your needs? This is available on most of our used cars, all Berkshire Used Cars need to know is your monthly budget. The majority of the finance proposals received are overseen manually by experienced underwriters at Close Brothers Motor Finance, with credit scoring assisting the process. This flexible approach allows them to consider individual cases and unique circumstances, which means that more proposals are converted in to agreements.If you wish to discuss any aspect of vehicle financing, please call 01635 200387. Alternatively, feel free to email us via the 'Make An Enquiry' button above and Andrew or Tony will get back to you within 24 hours.