Finance Explained

Belmont off a range of finance products to suit your needs, including:

  • Hire Purchase (HP)
  • Personal Contract Purchase (PCP)
  • Personal/Business Contract Hire (PCH/BCH)


Hire Purchase HP — How it works
Hire Purchase (HP) could help you buy your dream car whilst spreading the cost.

• You’ll agree an initial deposit, your agreement term and your monthly repayments with the dealer.
• Your deposit is taken from the price of the car.
• You’ll then pay the remaining balance plus interest in equal monthly repayments over the agreed term.
• Suzuki Finance buys the car on your behalf and owns the car for the duration of the finance agreement.
• After you’ve made all the repayments including any interest, you will become the owner of the vehicle.


Personal Contract Purchase PCP — How it works
Personal Contract Purchase (PCP) can help you to buy your dream car with lower monthly repayments than a hire purchase product as a large proportion of the amount you repay is deferred into an optional final repayment. You will pay more interest on a PCP agreement than a HP agreement for the same loan amount, term and APR* as your balance reduces more slowly due to the optional final repayment.

• Agree an initial deposit and term with the dealer and decide how many miles you’ll travel each year.
• The dealer will then work out the monthly repayment amount and the optional final repayment amount, which is based on the anticipated value of the vehicle at the end of the agreement.
• At the end of your agreement, you can part exchange the vehicle, return the vehicle (return conditions apply) or pay the optional final repayment and own the vehicle.
• Suzuki Finance buys the car on your behalf and owns the car for the duration of the finance agreement.
• After you’ve made all the repayments including the optional final repayment and any interest, you will become the owner of the vehicle.*

*Annual Percentage Rate of Charge (APR) – This is the total cost expressed as an annual percentage of the total amount of credit. The APR is there to help you compare different offers.


Personal Contract Hire — How it works
This product is only available on selected models.

• Personal Contract Hire (PCH) is a fixed cost rental agreement which is available for a period of 2-5 years on new vehicles only.
• This is also available with an added optional maintenance package which can help with keeping your vehicle in good condition.
• When your agreement comes to an end you must return the vehicle to the Leasing company as they hold full title to the vehicle.


BUSINESS Contract Hire — How it works

• Business Contract Hire (BCH) is a fixed-cost, rental agreement which is available for a period of 2-5 years on new vehicles.
• This is also available with an added optional maintenance package which can help with keeping your vehicle in good condition.
• When your agreement comes to an end you must return the vehicle to the Leasing company as they hold full title to the vehicle.


CONTACT US ON 0131 665 3691 OR SEND A MESSAGE VIA OUR WEBSITE FOR EXACT FINANCE FIGURES AND PAYMENTS.


HP and PCP are subject to status and only available to UK residents aged 18 and over. Finance is provided by Suzuki Finance, a trading style of Suzuki Financial Services Ltd, St William House, Tresillian Terrace, Cardiff, CF10 5BH. Suzuki Financial Services is authorised and regulated by the Financial Conduct Authority. PCH and BCH are subject to status and only available to UK residents aged 18 and over. Finance is provided by Lex Autolease Ltd, Heathside Park, Heathside Park Road, Stockport SK3 0RB. Lex Autolease Ltd is authorised and regulated by the Financial Conduct Authority. Suzuki Financial Services Ltd and Lex Autolease Ltd are part of Lloyds Banking Group. Availability of products may vary by dealer and vehicle type.
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