We pride ourselves in being approved used motor dealers for Blackhorse Ltd and Conister Bank. We can also offer motor finance for Lombard Manx. We offer competitive rates with a few different finance options for you to choose from. Please see below :-

Hire Purchase could help you buy your dream car whilst also spreading the cost. Agree an initial deposit, terms and monthly payment amount and we will submit the application to your preferred finance company. Subject to your application being approved, you can just drive it away – after you’ve made all the payments including the interest - the car’s all yours.

How it works:-

  • Choose your new car through us. Used cars up to ten years old can also qualify.
  • Negotiate a deposit with us.
  • Black Horse buys the vehicle on your behalf less any deposit that you have paid to us.
  • The remaining balance plus interest is then paid over an agreed period of one to five years for cars that are up to six years old (or repay over one to four years if the car is six to 10 years old)
  • Set your payments to suit your budget – borrow any amount from £1,500 to £250,000

With Balloon Payment or PCP (personal contract purchase) you can keep your monthly payments lower by differing a significant proportion of the amount of credit to the final payment at the end of the agreement. Agree an initial deposit and how long you want the agreement to run for. We will submit the finance application to your preferred finance company and subject to your application being approved - you can just drive your car away.

At the end of the agreement you have 3 options:

  • Part exchange of vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.
  • Refinance the Balloon payment.
  • Pay the final Lump Sum Payment to own the vehicle. You have 2 to 4 years to decide which option to choose.

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