FINANCE EXPLAINED

At Sinclair Jaguar we have a wealth of finance options for you to choose from to help you pay for your next Jaguar vehicle and if you'd like more information simply pop in or call us to find out more.

Personal Contract Purchase

JAGUAR PERSONAL CONTRACT PURCHASE (PCP)

Regular fixed payments allow you to own your car outright, part exchange it or return it at the end of the agreement.

Personal Contract Hire

PERSONAL CONTRACT HIRE (PCH)

Opt for an initial rental in advance, regular rental fees and no disposal worries at the end of the contract.

Business Contract Hire

BUSINESS CONTRACT HIRE (BCH)

With no worries at the end of a contract, business customers can drive away with an initial rental in advance.

Hire Purchase Plan

HIRE PURCHASE

A regular payment structure keeps things simple, and you get outright ownership of your Jaguar at the end of the agreement.

Advance Payment Plan

ADVANCE PAYMENT PLAN

Buy your new Jaguar with no regular payments and a choice of three final options at the end of the agreement.

Personal Contract Purchase

Slide into the driver's seat, start the engine and enjoy the pleasure of outstanding performance. Jaguar Personal Contract Purchase is a Personal Contract Purchase (PCP) agreement with fixed monthly repayments and a choice of options at the end of the agreement.

HOW IT WORKS

Based on your chosen term (between 13 and 49 months) and mileage* Jaguar Financial Services will determine the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement and provide you with an Optional Final Payment amount. At the end of your agreement your vehicle is guaranteed to be at least equal in value to the Guaranteed Minimum Future Value. Any deposit is deducted from the price of your Jaguar, you make regular payments based on the remaining balance plus the agreement interest. Interest is calculated on the vehicle price less the deposit. At the end of the agreement, just choose from one of the following options:

1. Renew – part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Retain – to keep your Jaguar, you only need pay the optional final payment.

3. Return – return the vehicle and do not pay the Optional Final Payment. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply. Providing the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.

BENEFITS

- Fixed regular payments for easy budgeting

- Your regular payments are reduced because the agreed predicted value of your vehicle is deferred to the end of the agreement

- The predicted value protects you against any potential fall in used car values. The value of the vehicle at the end of the contract is guaranteed to at least equal that of the optional final payment if you exercise your right to return the vehicle under the Goods Return Option

- With shorter terms you can be driving a new Jaguar more often, meaning your servicing and maintenance costs may be reduced

- Flexibility - you choose the deposit, annual mileage and agreement term to suit your needs; and at the end of your agreement you choose which of the three options is right for you

Additional business user benefits:

- Interest charges are allowable against tax

- A proportion of the car's value can be written down against profits because it is an asset on your balance sheet (CO2 based)

WHAT HAPPENS AT THE END OF MY AGREEMENT?

The options at the end of the agreement are:

1. Part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Return the vehicle and not pay the Guaranteed Minimum Future Value and Option to Purchase Fee as your Final Payment. Providing the vehicle is in good condition and has not exceeded the allowed mileage you will have nothing further to pay. If the vehicle has exceeded the allowed mileage a charge for excess mileage will apply.

3. Pay the Guaranteed Minimum Future Value as your deferred Final Payment and Option to Purchase Fee for title of the vehicle to be transferred into your name.

WHAT ELSE DO I NEED TO KNOW?

- Flexibility: Set payment periods from 1-4 years then take the best option for you when you reach the end of the term.

Ideal if:

  • You like to drive the newest model
  • You like to keep your options open
  • You like to budget

- Introducing a Guaranteed Minimum Future Value (GMFV) enables you to reduce your monthly payment.

- Newer model means lower maintenance costs.

- A proportion of the credit is deferred to the end of the agreement and you should prepare for this if you want title of the vehicle to be transferred into your name.

- You must have fully comprehensive insurance.

- Protection against depreciation as a result of an unexpected fall in the value of the vehicle when you exercise the ‘Goods Return Option' (when you hand the vehicle back).

- Your vehicle is at risk of repossession if you do not maintain contractual repayments.

- You do not own the vehicle until you have made all the payments including interest, after which title of the vehicle will be transferred into your name.

Personal Contract Hire

Enjoy the thrill of driving a Jaguar, hassle free. Personal Contract Hire gives you an initial rental in advance of 1-12 months (subject to underwriting), regular rental fees and no worries about disposing of your car at the end of the contract. You can also choose the reassurance of various optional service, maintenance and repair packages.

HOW IT WORKS

Just choose your new Jaguar, agree your annual mileage* and your initial rental and how many monthly rental payments (between 24 and 60).

Then decide if you wish to include our optional maintenance**, routine service and repair package. Your rentals are calculated based on your choices.

At the end of the term, the vehicle must be returned and you will have nothing further to pay provided the vehicle is in good condition in line with BVRLA fair wear and tear guidelines and it has not exceeded the agreed mileage. If the vehicle does not meet the mileage and condition terms excess charges will apply. Choose your next Jaguar subject to status and credit application, then start again.***

BENEFITS

- Low initial outlay and regular rentals for easy budgeting

- Road Fund License included for the duration of your contract

- Optional maintenance, routine service, tyre replacement and repair package could bring running costs together in the rental package. Subject to fair wear and tear. Driver abuse and misuse is excluded. Vehicle must be serviced in accordance with manufacturer guidelines.

- Flexibility to change your contract term and mileage (except for the first and last 6 months of the contract) should your circumstances change

- You don't have the worry of selling the car at the end of your contract because ownership remains with Jaguar Contract Hire

WHAT HAPPENS AT THE END OF MY AGREEMENT?

At the end of the term, the vehicle must be returned and you will have nothing further to pay provided the vehicle condition is in line with BVRLA guidelines and has not exceeded the agreed mileage. If the vehicle does not meet the mileage and condition terms excess charges will apply. Choose your next Jaguar (subject to status) and, subject to status, start again.**

WHAT ELSE DO I NEED TO KNOW?

- Hassle free motoring Road tax is included and no disposal worries simply return the vehicle at the end, subject to vehicle condition and mileage. Excess charges will apply if the vehicle is returned outside of the condition and mileage terms

- Fixed monthly rentals to suit your budget

- You will not own the vehicle and cannot buy the vehicle at the end of the contract

- You must have fully comprehensive motor insurance

- Choice of mileage, initial rental in advance (subject to status) and length of agreement at start of contract

- You must maintain the vehicle in accordance with the contract even if you have not chosen the optional maintenance package

- You can terminate the contract early by paying 50% of the remaining rental cost

- The higher initial rental in advance you pay the lower your normal monthly rental will be

18 and over, subject to status. you will not own the vehicle, Jaguar Contract Hire is provided by Lex Autolease Limited, trading as Jaguar Contract Hire, Heathside Park, Heathside Park Road, Stockport SK3 ORB. *Maximum mileage is 120,000 over the full contract duration for petrol vehicles and 150,000 for diesel vehicles. The contracted mileage will also be pro-rated in the event of any early termination of a contract (contract early termination fees also apply). ** Maintenance includes routine servicing, tyres, replacement parts and repairs due to fair wear and tear. Repairs or replacements from accidental or malicious damage and damage caused by driver misuse or abuse are excluded. ***At the end of the lease you will not own the vehicle.

Business Contract Hire

Business customers can drive away the perfect Jaguar with an initial rental in advance of 1-12 months (subject to underwriting), regular monthly rental fees and no worries about what to do with it at the end of the contract**. An optional maintenance, routine service and repair package, could make things even simpler.

HOW IT WORKS

Choose a new Jaguar, estimate your annual mileage* and select an initial rental and preferred contract term (between 24 and 60 months). You could choose to add an optional maintenance, routine service and repair package**. Your rentals are then calculated to take into account these factors. Once approved, Jaguar Contract Hire buys the vehicle and leases it back to you. Subject to tax status and business use, you could reclaim the VAT.

At the end of the term, you return the vehicle to us and will have nothing further to pay provided the vehicle condition is in line with BVRLA fair wear and tear guidelines and has not exceeded the agreed mileage. If the vehicle does not meet the mileage and condition terms excess charges will apply. Choose your next Jaguar and, subject to status and credit application, start again.***

BENEFITS

- Low rental cost

- Low initial outlay and regular fixed rental payments for easy budgeting

- Road Fund License included

- Optional maintenance, routine service, tyre replacement and repair package could bring running costs together in a rental package. Subject to fair wear and tear. Driver abuse and misuse is excluded. Vehicle must be serviced in accordance with manufacturer guidelines.

- Flexibility to change your contract term and mileage if things change

- VAT registered businesses can reclaim a portion of the VAT paid on rental payments, and all of the VAT paid on optional service maintenance and repair packages

- You don't have the worry of selling your car at the end of your contract because ownership remains with Jaguar Contract Hire

WHAT HAPPENS AT THE END OF MY AGREEMENT?

At the end of the term, you return the vehicle to us and will have nothing further to pay provided the vehicle condition is in line with BVRLA fair wear and tear guidelines and has not exceeded the agreed mileage. If the vehicle does not meet the mileage and condition terms excess charges will apply. Choose your next Jaguar and, subject to status and credit application, start again.**

WHAT ELSE DO I NEED TO KNOW?

- Choose from an initial rental in advance of 1-12 months (subject to underwriting) giving flexibility to set your monthly rentals to suit your budget

- Contract term between 2-5 years Agreed Annual Mileage 1) If you drive less than the agreed annual mileage this will not alter the monthly rentals 2) If you exceed the agreed annual mileage, excess mileage charges will apply

- Minimum Contract Annual Mileage. All vehicles 5,000 per annum. You can drive less than 5,000 miles per annum, however this will not alter the monthly rentals

- Maximum Contract Hire mileage is 120,000 miles over the duration on Petrol vehicles

- Maximum Contract Hire mileage is 150,000 over the duration on Diesel vehicles

- You can change the contract duration and mileage (except in the first and last 6 months of the contract)

- You will not own the vehicle

Hire Purchase Plan

Discover the meaning of performance in the Jaguar of your choice, with a simple, regular payment structure and outright ownership of your car at the end of the term.

HOW IT WORKS

Choose your Jaguar, the level of deposit you want to pay and select an agreement term between 12 and up to 60 months. Your deposit is deducted from the price of your car, then you make regular payments based on the remaining balance plus the agreement interest.

Once all payments have been made, you will be the proud owner of your Jaguar.

BENEFITS

- Fixed regular payments for easy budgeting - You own your Jaguar at the end of the agreement with no deferred lump sum to pay

Additional business user benefits:

- Interest charges may be allowable against tax - A proportion of the car's value can be written down against profits because it is an asset on your balance sheet (CO2 based)

WHAT HAPPENS AT THE END OF MY AGREEMENT?

After you've made all the payments including interest, title of the vehicle will be transferred into your name.

WHAT ELSE DO I NEED TO KNOW?

- Ideal if:

  • You want to own your Jaguar outright at the end of your agreement
  • You like to budget and know the exact payment amount each month

- Choose any new or used Jaguar up to ten years' old

- Fixed regular repayments, giving you peace of mind

- You have no protection against depreciation as a result of an unexpected fall in the value of the vehicle

- You do not own the vehicle until you have made all the payments including interest after which the title of the vehicle will be transferred into your name

- Your vehicle is at risk of repossession if you do not maintain contractual repayments You must have fully comprehensive insurance

No maximum mileage restriction, vehicle must be less than 14 years old at the end of the agreement, minimum contract term of 12 months, maximum contract term of 60 months. Business customers: Tax relief may be available for interest and other costs depending on your own particular circumstances. Please seek professional advice. Credit is subject to status and only available to UK residents aged 18 and over. Credit is provided by Black Horse Limited trading as Jaguar Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.

Advance Payment Plan

Add to the pleasure of driving your new Jaguar without the need to make regular monthly payments. Make one large up-front payment with a choice of 3 options at the end of the agreement.

HOW IT WORKS

Based on your chosen term (between 13 and up to** 37 months) and mileage* Jaguar Financial Services will determine the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement. The GMFV is deducted from the price of your vehicle and you simply pay the remaining balance plus the agreement interest (if applicable) as a single upfront payment - there are no monthly payments. At the end of the agreement, just choose from one of the following options:

1. Renew – part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Retain – to keep your Jaguar, you only need pay the optional final payment.

3. Return – return the vehicle and do not pay the Optional Final Payment. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply. Providing the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay.

BENEFITS

- Ideal if you are planning to pay for your Jaguar outright. By deferring part of the initial outlay until the end of the agreement term there is less to pay today

- No regular payments

- The predicted value protects you against any potential fall in used car values. The value of the vehicle at the end of the contract is guaranteed to at least equal that of the deferred Optional Final Payment if you exercise your right to return to vehicle under the Goods Return Option

- With shorter terms you can be driving a new Jaguar more often, meaning your servicing and maintenance costs may be reduced

- Flexibility – you choose the annual mileage and agreement term to suit you; at the end of your agreement you choose the right option for you

Additional business user benefits:

- Interest charges are allowable against tax

- A proportion of the car’s value can be written down against profits as an asset on your balance sheet (CO2 based)

WHAT ELSE DO I NEED TO KNOW?

- Ideal if:

  • You want to protect against an unexpected fall in used vehicle values
  • You want more spending power – maybe for a newer or higher specification model

- Advance Payment Plan features a Guaranteed Minimum Future Value (GMFV). Jaguar Financial Services will set the GMFV based on the estimated value of the vehicle at the end of the agreement - this value assumes the vehicle is within the agreed mileage and in good condition. The GMFV is deferred to the end of the agreement and, if you choose to exercise the Goods Return Option and the vehicle meets the mileage and condition requirements, you will have nothing further to pay

- A proportion of the credit is deferred to the end of the agreement and you should prepare for this if you want title of the vehicle to be transferred into your name

- Newer model means lower maintenance costs

* Maximum annual mileage is 35,000 and the maximum mileage at the end of the contract is 108,000 (37 month term). **Some APP Finance Offers have a maximum term of 24 months. For electric vehicles the maximum annual mileage is 24,000, not to exceed the battery warranty mileage at the end of the contract. Credit is subject to status and only available to UK residents aged 18 and over. Credit is provided by Black Horse Limited trading as Jaguar Financial Services, St William House, Tresillian Terrace, Cardiff CF10 5BH.
Sinclair Jaguar
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