Specialist vehicle finance broker
Vehicle, asset and business finance from a dedicated team who answer the phone, know you and your business, and stay with you from the first call to the release of your funds.
Try our Vehicle finance calculator today
Our diverse vehicle finance package includes:
Hire Purchase
Lease Purchase
Personal Contact Purchase
Finance Lease
Our vehicle finance broker services give you access to a range of lenders, competitive finance options and expert guidance. With extensive experience in the automotive sector, we can even suggest vehicles tailored to your preferences and help you find a suitable agreement.
Our products
01
Hire Purchase
Vehicle Finance with the option to buy or return. With this form of finance you can spread the cost of your car, van, or motorbike with fixed monthly payments and the choice to own or return it at the end.
You’ll typically put down a 10% deposit, with the rest paid in equal monthly instalments over a term of up to five years. Payments include interest and remain fixed throughout.
How does hire purchase work?
To keep monthly costs lower, you may choose a balloon payment at the end of the term. Once all repayments are made, you decide whether to pay the final fee and take ownership, or return the vehicle with no further obligation.
Key advantages
Lower monthly payments
Optional balloon payment helps reduce regular instalments.
Fixed costs
Clear, predictable repayments make budgeting easier.
End-of-term flexibility
Choose to keep the vehicle or return it with no further payment.
Please note:
Finance is secured against the vehicle. Missed payments may result in repossession.
02
Lease Purchase
Lease Purchase is a flexible way to spread the cost of buying a vehicle. Once you’ve chosen your car, you tell us how much you’d like to borrow after your deposit, which can be topped up by part-exchanging your current vehicle.
This option is especially popular for premium or luxury cars that hold their value well, making the final payment more affordable.
How does lease purchase work?
You’ll then pay fixed monthly instalments for the length of the agreement, followed by a final balloon payment to own the vehicle outright. The balloon is based on the estimated future value of the vehicle, factoring in mileage, age, and agreement length.You’ll typically put down a 10% deposit, with the rest paid in equal monthly instalments over a term of up to five years. Payments include interest and remain fixed throughout.
Key Advantages
Lower monthly payments
The balloon payment reduces monthly costs during the term.
Ideal for high-value vehicles
Cars that retain value make agreements more affordable.
Flexible deposits
Use part-exchange or cash to set a deposit that suits your budget.
Please note:
Finance is secured against the vehicle. Missed payments may result in repossession.
03
Personal Contract Purchase (PCP)
Perfect if you’d like the flexibility to upgrade or return your car or motorbike at the end of the agreement.
With PCP, you pay a deposit, followed by fixed monthly repayments based on the vehicle’s depreciation, not its full cost. We also guarantee its minimum value at the end, known as the Guaranteed Minimum Future Value (GMFV). This structure often results in lower monthly payments than Hire Purchase or Conditional Sale.
How does PCP work?
You typically pay a 10% deposit, with the rest spread over up to 48 months. Payments remain fixed throughout, including interest.
Key Advantages
Lower monthly payments
Only pay for the vehicle’s depreciation, not its full value.
Guaranteed future value
Know upfront what your vehicle will be worth at the end.
Flexible end-of-term options
Choose to buy, return, or upgrade your vehicle with ease.
Please note:
Finance is secured against the vehicle. If repayments aren’t met, the vehicle may be repossessed.
04
Finance Lease
A Finance Lease is a long-term rental option for business equipment, offering full use of assets like vehicles, machinery, or tech without the need to buy them outright.
Instead of a large upfront payment, you rent the asset over a set term with fixed monthly instalments that include interest. Lease periods can be tailored to suit your cash flow, especially useful if income varies across the year.
What happens at the end of the lease?
At the end of the initial lease, you can:
– Extend the rental with smaller payments
– Sell the asset and keep a portion of the sale
– Return it if it’s no longer needed
This structure gives you flexibility with how you manage business assets and budgets.
Key Advantages
No large upfront cost
Access vital equipment with monthly payments instead of a big initial outlay.
Flexible end-of-term options
Extend, sell, or return the asset based on your needs.
Tax savings
VAT-efficient and helps lower your taxable profits if you’re registered.
Please note:
Finance is secured against the equipment. Failure to keep up with repayments may result in repossession. All applications are subject to eligibility, terms, and lending criteria.
Types of vehicles
Vehicle Finance
Typical assets we finance:
More than just a mode of transport, a car is an experience. Our flexible finance solutions help you drive away in your dream vehicle.
What our clients say
"The whole team at Chatsbrook made our most recent vehicle purchase a pleasure! Friendly, fast, courteous and working above and beyond! Thank you so much again!"
Prestige & Supercars
Typical assets we finance:
Whether for luxury or business, our tailored finance packages cater to aspirational vehicle purchases.
What our clients say
"Fantastic customer experience using Chatsbrook. It was my first time using a vehicle financing company and it was immediately the best choice."
Classic Car Finance
Typical assets we finance:
Turn your dream into reality; we see the value in classic cars, a timeless blend of beauty and investment.
What our clients say
“‘Bure Valley Classics have worked with Chatsbrook as our funding partner for many years. They always find competitive rates and offer the very best service to my clients."
Motorbike Finance
Typical assets we finance:
Chatsbrook brings expert advice, great finance options, and unbeatable savings for those who love bikes.
What our clients say
"Jamie was very helpful and informative throughout the whole process. He kept me updated at every stage and was very happy to answer the questions I had."
Specialist Vehicles
Typical assets we finance:
From motorhomes to boats and specialist vehicles, Chatsbrook helps you find flexible finance solutions tailored to your needs.
What our clients say
"Very professional service with amazing staff. I would recommend Chatsbrook to anyone."
Our funding solutions
Over £120 million funded to SMEs, ambitious businesses and individuals across the UK
Join our family of satisfied clients and experience the difference with us today. Our trusted partnerships with leading companies and manufacturers affirm our commitment to quality and service.
Your funding partner of choice
We provide tailored funding solutions through a client-focused approach, building trust and loyalty to help achieve financial goals for SMEs and ambitious businesses.
We are an award-winning finance partner you can trust. Let Chatsbrook be your first choice for funding.
Frequently asked questions.
We’re passionate about helping our clients achieve financial success. See if we have answered your questions below:
What is the difference between Hire Purchase and PCP finance?
Hire Purchase (HP) allows you to spread the cost of a vehicle through regular payments, with ownership typically transferring once the agreement is completed. Personal Contract Purchase (PCP) usually offers lower monthly payments by deferring part of the cost to an optional final payment. At the end of a PCP agreement, you can generally purchase the vehicle or return it, subject to the agreement's terms.
Do I need a deposit to get vehicle finance?
The deposit required depends on the lender, vehicle and type of finance agreement. Some agreements may offer lower deposit requirements, while a larger initial payment can reduce the amount borrowed and monthly repayments.
Can I pay off my vehicle finance agreement early?
Many vehicle finance agreements allow early settlement. However, the amount payable will depend on your outstanding balance, agreement terms and any applicable charges. Your vehicle finance broker can help you understand the process, although you'll need to request an early settlement figure from your finance provider to confirm the costs involved.
Can I get finance for a classic car or supercar?
Yes, Chatsbrook offers specialist finance solutions for classic cars, prestige vehicles and supercars. We work with lenders who understand higher-value and collectible vehicles, helping clients explore finance agreements suited to their chosen vehicle and financial circumstances.
Does applying for vehicle finance affect my credit score?
Applying for vehicle finance may affect your credit score, depending on the type of credit check carried out. An initial eligibility check may involve a soft search, which doesn't affect your score, while a formal application may require a hard credit search. Our team can explain the process before you apply.
Can I change my vehicle before the finance agreement ends?
Yes, it may be possible to change your vehicle before completing your existing finance agreement. Depending on the agreement, you may need to settle the outstanding finance or arrange an alternative solution. Chatsbrook's vehicle finance broker team can help you explore your options, including how any positive or negative equity could affect the cost of your next vehicle.
Still have questions?
Fill out our form or contact us, and one of our Finance Specialists will reach out to you.
Let’s get the ball rolling
Whether you're looking for a van, a digger or a classic car you've waited years for, we're here to help. We start with a conversation to understand your needs and explore the right funding options for you.