Volkswagen vehicle finance

When you find your perfect used Volkswagen car here at White Rose, you can discuss your payment options with our finance experts. If you’d like to spread the cost of your purchase over time, our team is here to talk you through all our available finance solutions – brought to you our trusted providers.

Based on your needs, we deliver a tailored finance plan to suit your budget. We even have special offers from time to time to help your money go even further. See below for a brief summary of the different schemes we currently have available. ​

Personal Contract Plan (PCP)

With this solution, you usually pay an initial deposit, followed by regular monthly payments. You decide an agreement term and an annual mileage allowance, and we estimate a Guaranteed Minimum Future Value (GMFV) at the beginning of your PCP – meaning you pay off the depreciation of the vehicle, not its full value. You simply pay your monthly instalments based on the remaining balance (plus interest).

At the end of your agreement, you can renew (move to a new car and use any excess value as a deposit), retain (keep your car and simply pay off the GMFV) or return it to us. That’s all there is to it.

Hire Purchase (HP)

With HP, you generally pay an initial deposit and then spread the remaining balance across monthly instalments. When your contract term ends and all payments have been made, you will own the car outright. Monthly payments tend to be higher with HP than with PCP, because you pay off the full value of the car without a GMFV. 

Contract Hire

This is a great option for businesses. Contract Hire is an uncomplicated finance package that uses fixed monthly payments as a rental for the vehicle. You can reap several benefits, including reclaiming VAT, low initial payments and no loss through depreciation. Simply return the vehicle to us at the end of the term with nothing left to pay except mileage or damage.

Which finance option will work best for you?

It depends on your circumstances. Our friendly team here at White Rose is on hand to guide you every step of the way. To learn more about our finance packages, all you need to do is ask – enquire online, call us, or drop into your local showroom.