At EPS Cars Limited we work hard to make sure you get to drive home with the car that you want, more importantly, at an affordable price. We are experts in offering car finance to customers across the UK and we use the top lenders in motor finance. We can arrange finance deals for upto 5 years depending on the age of the car, helping to spread the cost even further. If you have had trouble getting a used car elsewhere then give us a call to see if we can help, we have flexible finance deals to suit all budgets.
The traditional, but still ever popular, funding option which gives the customer eventual ownership of the vehicle. A fixed cost, fixed period loan that allows you to spread the cost of the vehicle over a period of up to five years. The user is effectively the owner of the asset, but legal title to the car does not pass until the loan is fully repaid including the final payment which includes a nominal "option to purchase" fee. Monthly payments cover the capital cost plus interest and do not carry VAT. For business users the vehicles will be ON Balance Sheet.
For Private individuals and companies that want eventual ownership of the vehicle. A funding agreement where the purchaser acquires ownership when all the payments, including the option to purchase fee have been made. Part of the capital cost of the vehicle payment may be deferred into a "balloon" payment at the end of the agreement which equates to the anticipated value of the vehicle at the end of the leasing period. Leasing A lease is a contract between a Lessor (the lender) and the Lessee (the customer) for the hire of a vehicle. The lessor retains ownership of the vehicle while the lessee has possession and use for payment of specific rentals and agreed period.
Finance arranged by EPS Cars Limited.
Typical Finance example: Monthly payments £954.01, Term 48 Months, Contract length 48 Months, Cash Price £41,989, Cash Deposit £5,000. Total amount of credit £36,989, Total amount payable £45,802.52, Representative APR 10.9%, Total charges payable £8,813.52, Fixed rate of interest pa 10.9%.
EPS Cars Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference Number is 967354).
The dealer is a credit broker and not a lender and can introduce you to a limited number of lenders, while providing details of finance products available. The dealer will not charge you a fee for introduction, but may recieve a comission from the lender. Lender's comission may vary. The comission received does not influence the interest rate you will pay. For questions about comission, please speak to the dealer.
In the event that you have a complaint regarding the credit broking service we provide you with then please contact us and we will seek to resolve your complaint promptly.
If you are not satisfied with our response you may wish to take your complaint to the Financial Ombudsman Service. In order to contact the Financial Ombudsman Service, you should: Write to them at Exchange Tower, London, E14 9SR Telephone: 0800 023 4567 Email: complaint.info@financial-ombudsman.org.uk Website: www.financial-ombudsman.org.uk
If you are looking for a specific vehicle, mileage or specification, then let the EPS Cars Limited team find it for you. We have access to the UK's leading vehicle stockists, and can obtain the lowest prices possible, passing these savings onto our customers.