Used 4x4 Finance


With extensive car finance options, plus great part exchange deals, Saxton 4×4 aim to make the buying experience as simple as possible for all our customers. Financing a car can be confusing, especially for the kinds of premium vehicles which you’ll find in our showrooms. But don’t worry as our Business Managers are trained finance specialists. We will be able to explain the process to you in simple terms and layout all of the options available to you. That’s how we make it much easier for you to walk away with the car of your dreams. You can use any one of three different finance options to make your next purchase that little bit easier. We encourage prospective buyers to make the most of the extensive finance offers we have available.


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Finance Options:

  • PCP (personal contract purchase)  - A Personal Contract Purchase agreement or ‘PCP’ is a finance product designed to help reduce monthly payments by delaying part of the repayment until the end of the agreement. This final payment is often referred to as the GMFV or Guaranteed Minimum Future Value and is guaranteed by the finance lender. This figure is calculated using industry data and determines the likely value of your vehicle at the end of the finance agreement, in line with the term and estimated annual mileage. The GMFV will offer you additional protection in the future should car values drop in the used car market.
  • Hire purchase (HP) - Hire Purchase is a finance product that allows you to budget accurately by giving you a fixed interest rate and fixed monthly payments. After paying a relatively low deposit, you hire your car and will pay off the entire value of the car in monthly instalments. It’s one of the simplest forms of finance you can choose, because there are no restrictions on your mileage,  so it’s easier if you are unsure how much you will use the vehicle.
  • Lease purchase (LP) Lease Purchase or Balloon HP offers lower monthly payments than standard Hire Purchase. LP is a finance product that allows you to budget accurately by giving you a fixed interest rate and fixed monthly payments, subject to a final option to purchase fee. 


As an FCA-regulated dealer, Saxton 4×4 have ensured preferential rates and terms with some of the world’s leading banks and major UK funders, offering some of the lowest rates available in the UK.

Saxton 4×4 have a dedicated team of finance specialists on hand to take care of the details for you. We’ll handle all forms, and process personal details with the utmost professionalism. Retain your existing credit lines elsewhere by relying on our team of trained experts.

Finance Enquiry


What is Hire Purchase?

What is Personal Contract Purchase

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Find your perfect car now at Saxton, the largest 4x4 dealer in Europe, selling used 4x4 cars at incredible value to customers across the world.

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