Financing Your Next Car Made Simple (and Stress-Free!)

Let’sbe honest, winter can be a bit bleak. The nights are long, the days are grey, and the first payday of the year always seems like it’s taken forever to arrive. But here’s a thought, picture yourself cruising into summer in a brand-new car, with the sun shining and your favourite tunes blasting. Sounds good, right?

At Croxdale, we make that a reality with flexible finance options that suit your budget, your lifestyle, and your driving needs. Whether you're after lower monthly payments, outright ownership, or something in between, we’ll help you find the best way to get behind the wheel of your dream car.

Here’s a quick guide to the different ways you can fund your next set of wheels.

Finance Type	Who It Might Be Suitable For. (POV)	How It Works	Pros	Cons	What Next
Personal Contract Purchase (PCP)	The Flexible One You like having options, do around 10,000 miles a year, and love the idea of upgrading your car every few years.	A PCP can be seen as a way to try a car before you commit to buying it. You pay a deposit, then make fixed monthly payments. When the agreement ends, you can either: Keep the car by paying the final “balloon payment” Trade it in for a new one Simply hand it back and walk away	Lower monthly payments compared to Hire Purchase, with the flexibility to switch things up at the end.	There’s a mileage limit, and you might be charged if the car isn’t in tip-top shape when you return it.	Check out our current PCP deals at Croxdale!
Hire Purchase (HP)	The Straightforward One You want to own your car outright and are happy with slightly higher monthly payments to get there.	This is the classic way to buy a car. Pay a deposit, then spread the remaining cost over monthly instalments. Once you’ve made the final payment – congratulations! The car is 100% yours.	Simple, no-nonsense way to buy a car with no surprises at the end.	Monthly payments are higher than with PCP, and you don’t have the option to hand the car back if you change your mind.	See our latest HP deals at Croxdale!
0% APR Finance	The Smart Saver You love a good deal and want predictable monthly payments with no added interest.	Spread the cost of your car over monthly instalments without paying a penny in interest. These deals are often available on new cars or for a limited time only.	No interest = no extra cost. Simple, predictable payments.	You may need a bigger deposit or a shorter repayment term. These deals aren’t always available, so it’s worth snapping one up when you see it!	Check if we have a 0% finance deal running right now!
Personal Loan	The Independent Route You like to keep things separate and want full ownership of the car from day one.	Borrow the money from your bank or lender. Pay for the car outright. Then repay the loan in monthly instalments.	The car is yours immediately, with no mileage restrictions or finance agreements tied to the dealership.	Interest rates can be higher than our finance deals, and your credit score will play a role in approval.	Not sure if a loan is the best option? Talk to us first, we might have a better deal!
Leasing	The Hassle-Free Option You like driving a new car every few years and don’t want to worry about depreciation.	Leasing is basically renting a car long-term. You pay fixed monthly payments for an agreed term and mileage limit. At the end of the lease, you simply return the car – no buying, no selling, no hassle.	Lower upfront and monthly costs, and no worries about depreciation.	You’ll never own the car, and there are mileage limits to stick to.	Curious about leasing? Explore our range of flexible options today!!

Why Buy from Croxdale?

Whichever way you choose to finance your car, you’ll also get the benefits of:

A dedicated servicing and repair centre; To keep your car running perfectly
Generous warranties: Up to 7-years on MG models and competitive warranties across all brands
A first-class, personalised customer experience: Because buying a car should be exciting, not stressful!

So, what are you waiting for? Browse our latest deals or visit us at Croxdale Group today, your perfect car (and an easier way to pay for it) is waiting!

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Company Info

A167 Croxdale Durham County Durham DH6 5HS

Head Office: Croxdale Service Station LTD A167 Croxdale Durham County Durham DH6 5HS

Reg. Company Number: 913346

VAT Reg. No. GB176008861

Financial Disclosure

Croxdale Service Station Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010).

Automotive Compliance Ltd’s permissions as a Principal Firm allows Croxdale Service Station Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders.

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders will pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

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