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Finance at Les Pauls

November 24, 2016

Les Pauls offer affordable, competitive finance to suit every budget.  With a panel of 21 finance providers, none of whom operate on the high street or as direct lenders, who we work closely with to match our customer’s needs and circumstances to their product range and credit policy.

  • Competitive rates
  • 24 to 60 month terms
  • Available on both cars and commercials
  • Balloon payments available on cars


Hire purchase is the most popular way of funding motor purchases. Payments are divided equally over the term at a fixed rate of interest and after the final repayment the vehicle becomes the property of the customer. With a comprehensive panel of lenders we have the right Hire Purchase agreement for every type of vehicle and your various needs.

  • Competitive finance rates
  • Funding for vehicles up to 15 years at the end of the agreement
  • 60 month terms on up to 7 year old cars
  • Other asset types considered
  • Fast and efficient acceptance often in less than 1 hour



Personal Contract Purchase agreements (PCP) offer you flexibility, allowing you to tailor the repayments to suit your budget. PCP is similar to a Hire Purchase contract but instead of paying off the entire value of the car in monthly instalments, you defer the expected ‘future value’ of the car until the end of the agreement. You therefore only pay a portion of the borrowing.

This has the benefit of reducing your monthly repayments meaning you can often afford to purchase a higher value or newer vehicle than you may have expected.

The Guaranteed Minimum Future Value (GMFV) is calculated using our Dealer Zone system and will vary depending on the period of the agreement and predicted annual miles.

With several leading independent PCP providers, we can offer customers the following benefits compared to a manufacturer scheme:

  • Competitive finance rates
  • 24 to 60 month PCP agreements
  • Compare multiple PCP providers to ensure you get the best deal
  • Market leading residual values
  • Available on both New and Used cars up to 5 years old at inception
  • PCP for business users and Limited Companies
  • Fast and efficient acceptance often in less than 1 hour


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