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Here at Phoenix Car Centre, our aim is to make car financing as easy as possible.

At Phoenix Car Centre, we are experts in offering car finance to customers across the UK to drive away in their ideal car. Our wide range of finance options are designed to take away the hassle of affording the car you would like. We can arrange all finance, making sure that buying a car with us is as smooth and simple a process as possible.

We strive to obtain the best deals for our customers, and make sure you get a tailor-made finance package. You can find out more about the benefits of financing your next vehicle here on the website, and learn about the different options. Apply online today, or give us a call for a friendly chat about your options.

What options are available when Financing?

At Phoenix Cars, we offer flexible financing options to suit your needs. This includes Hire Purchase (HP) and Personal Contract Purchase (PCP). You can find detailed information on each of these financing options in our descriptions, videos, and FAQs. Explore our site to learn more about how we can help you drive away in your dream car with a financing plan that’s right for you.

Personal Contract Purchase (PCP)

A Personal Contract Purchase is a flexible choice as you can keep your monthly repayments lower by deferring a significant proportion of the amount of credit to the final payment at the end of the agreement. This means your budget may be a lot higher than you thought possible. Terms up to 60 months.

If you have had trouble arranging finance on a used car elsewhere, give us a call to see if we can help – we have flexible finance deals to suit all budgets. We are able to offer a host of funding options to help you to buy your desired car, with zero, or as much deposit as you wish to pay. We offer very competitive rates, and can tailor a finance package to suit your needs and lifestyle. We have a finance specialist on hand to discuss your needs and help answer any questions you may have.

PCP FAQs

Can I pay it off early or can I change my car at any time?

There are no penalties for settling your finance early and you actually get a reduction in your outstanding balance for paying it off early. This also allows you to change your car at any time.

What happens with the balloon payment at the end of the agreement?

You have many options at this point, including re-finance, selling the car or even part exchanging for a newer car. You can even give it back to the finance company if you wish.

Is there any mileage restriction?

We will set the mileage to suit your individual needs.  There are also similar products to  PCP available with no mileage restrictions, we can go through these options with you.

Do I need a deposit?

No, as with a HP agreement we can work with no deposit and even accommodate existing negative equity.

Hire Purchase (HP)

A Hire Purchase agreement could help you buy the vehicle of your dreams by spreading the cost over an agreed term. You will only need to sign the agreement documents, then you’re free to drive away your new vehicle. After you’ve made all the agreed monthly payments, the vehicle is yours. Terms up to 84 months.

HP FAQs

Will I get accepted?

We use a wide range of lenders from tier 1 high street bank equivalents to more specialist lenders to assist people with poor credit history.

Do I need a deposit?

No, we can work with no deposit and even accommodate existing negative equity on your old car.

Can I pay it off early or can I change my car at any time?

There are no penalties for settling your finance early and you actually get a reduction in your outstanding balance for paying it off early. This also allows you to change your car at any time.

Can I part exchange an old car with outstanding finance?

Absolutely, we will always accommodate any car in part exchange with or without outstanding finance, regardless of condition.

Want to apply for Finance?

Applying for Finance is straightforward with our three simple steps. We’re here to support you throughout the entire process.

Search your stock

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Select your vehicle

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Apply by filling in the form

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Want to apply for Finance?

Applying for Finance is straightforward with our three simple steps. We’re here to support you throughout the entire process.

Search our stock

Start by searching our stock to find your dream car.

Select your vehicle

After browsing our stock, select the vehicle you would like to finance.

Apply for finance

You can apply for Finance by filling out the form located at the bottom of the vehicle listing page.

Contact Us

Chat to our friendly team

We’d love to hear from you. Please fill out this form or shoot us an email.

Email

Our friendly team is here to help

sales@pheonixcarcentre.com

Live Chat

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Office

Come say hello at our showroom

PHOENIX CAR CENTRE, CHILCOMB LANE, CHILCOMB, WINCHESTER, SO21 1HU

Phone

Mon-Fri from 8am to 5pm.

01962 870 707

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