Once the final payment is made, the HP contract ends and you own the car. You pay an initial deposit, followed by monthly payments which are set by you. When the contract expires, you return the car, or take out a contract on a new one. You take control of the car for a contractual period and make fixed monthly payments. The monthly payments and the annual percentage rate are subject to change in the event of influencing factors such as the customers credit record and the actual cost of insurance. You can either pay this to keep the car, part-exchange for a new car, or hand the car back. At the end of your payments, a final larger payment remains. You pay an initial deposit, followed by monthly payments. By putting down a deposit using a lump sum, you can pay less each. If you know what you can afford each month, put this as your monthly budget. Ready to buy Get the information you need to get pre-approved for a new or used SUV or sedan from Basil Toyota in Lockport. Our user-friendly tool only needs to know three pieces of information: What your monthly budget is. Speak to one of our product consultants for more information. Our car finance calculator is a simple way to find out how much you might be able to spend on a car. Just let us know if you know you have a poor credit score, and we will try to match you with the most appropriate lender. We work with more than 20 lenders to find the right finance package. That doesn’t necessarily mean you won’t be able to arrange a finance deal with us. Some of our lenders may be willing to underwrite this type of finance, either as an unsecured personal loan or a hybrid finance arrangement, where the car is on a secured agreement but the negative equity on a personal loan.Ĭan I still get finance with a bad/poor credit rating? We can help you to work out the ideal time to change your car – pop into a branch and speak to one of our product consultants. I’m in negative equity with my current car – can I still get finance? Close Button X Page Heading Polygon location marker icon phone icon Icon arrow down icon of Facebook logo icon of Twitter logo icon of YouTube logo icon of LinkedIn logo icon of Google+ logo icon of Pintarest logo icon of Share logo Get a Quote Dollar Icon Download a Brochure Icon Book a Service Spanner Icon Specials Discount Tag Icon Book a Test Drive steering wheel Icon Search our Stock Icon Question Mark in a Circle Icon Dollar Sign on a Bag of Money Female Icon Circle with Cross Underneath icon of a Large Share logo Icon of a car Icon of an Eye Search our Stock Icon Calculator Icon More Content Below Learner Approved Motorcycles (LAM) View Right Arrow Icon of Instagram Logo Icon of Left Arrow Icon of a Left Arrow for a Carousel Icon of a Right Arrow for a Carousel Icon of Double Left Arrow Icon of Right Arrow Icon of 3 Horizontal Lines Icon of a 4 square Quandrant Icon of a car Hand Offering Cash Icon Envelope Icon List Symbol of Lines and Dots Icon Calculator Icon Book a Test Drive steering wheel Icon Get a Quote Dollar Icon Icon of a magnifying Glass Icon of a Dollar Symbol Video Click to Start Icon Printer Icon Close Button Circle X Icon of 3.You simply need your debit or credit card (to pay the initial deposit) and your driving licence, as a form of identification.
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