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What are the benefits of taking up car finance on a car as everyone seems to be doing it nowadays?

Some key things you may not know regarding finance are:

If you take out a 5 year or 60 month term loan you can pay this back at anytime and you'll only pay the interest to that month. 

You can make over payments at any stage during the loan, and there are no fees or penalties for doing this. 

If you opt for a 60 month or 5 year term instead of a 36 month or three year term for example your payments are massively reduced but with all of the above added benefits.

You can opt for two main types of finance they're called PCP and HP we have included some examples below.

See how much you could borrow

Use the finance calculator below to see how much it costs to borrow:

How does it work?

It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact Concept Finance Ltd T/A Essex Car Company at New Road, Wennington, Rainham, Essex, RM13 9EB. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS).  Further information is available by calling the FOS on 0845 080 1800 or at

Finance Representative - PCP subject to an annual mileage, excess mileage fees may apply.
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We are trading as a credit broker and not a lender, and are authorised and regulated by the Financial Conduct Authority, firm reference 678769. We can introduce you to a limited number of carefully selected finance partners and may receive a commission from them for the introduction. Concept Finance Ltd T/A Essex Car Company, New Road, Wennington, Rainham, Essex, RM13 9EB.

Representative finance examples are for illustrative purposes only. Finance is subject to status and credit acceptance. Terms and conditions apply. Available to 18s and over & UK residents only. Guarantees and/or indemnities may be required. Excess mileage and damage charges may apply when vehicle returned.