Lease Purchase Car Finance

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Lease Purchase Car Finance

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    Low Deposit

    allowing you to free up personal or business cash

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    Lower Set Monthly Payments

    perfect for budgeting

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    A Superior Car

    lower payments can help you choose a higher specification car

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    no mileage restrictions

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    you can take ownership of the car at the end of the agreement

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    Tax Benefits

    tax allowances for business users

    Lease Purchase Car Finance Explained

    Lease Purchase Car Finance

    At Oracle Finance we offer a broad range of finance products including Lease Purchase.

    Also known as Hire Purchase with a Balloon, Lease Purchase is an ideal way to fund your vehicle purchase if you want the benefit of lower monthly payments compared to a standard Hire Purchase deal.

    To reduce your monthly instalments, a deferred final payment, or balloon, is offset to the end of the agreement. This allows you to pay a lump sum to purchase the car in full, if you choose to do so.

    The amount of the deposit is flexible, typically between 10% – 50% of the car’s price. The deferred balloon is calculated on the estimated future value of the car.

    At the end of the agreement lease purchase offers a number options:

    • Purchase the car, by paying the balloon payment
    • Part-exchange the car, using any equity towards your next vehicle
    • Sell the car privately, retaining any equity once the balloon has been paid
    • Refinance the final balloon payment
    Current representative APR

    7.95% APR

    Oracle Finance is a Credit Broker and not a Lender.

    This means that we deal with a wide range of financial institutions to give our customers a greater choice of competitively priced options. For your protection, Oracle Finance is authorised and regulated by the Financial Conduct Authority for the sale of consumer credit. Oracle Finance is a trading name of Oracle Asset Finance Limited.

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