Click the buttons below to find out more about the different types of finance we offer – plus, don’t miss our online finance calculator, where you can generate your own personalised quotations on a vehicle by changing the deposit, term and annual mileage. In addition, you can complete an application through our secure online proposal form, which will pass your information directly to our finance company, who will guide you through the process.

  • Personal Contract Purchase (PCP) explained

    A Personal Contract Purchase (PCP) plan will give you the option to return the vehicle or pay the optional final payment (sometimes referred to as a ‘balloon’) and own the vehicle outright.

    As well as this flexibility, other benefits of PCP include a low deposit and low monthly payments. This is achieved by deferring an amount of the total cost of the vehicle to the end of the contract. This amount is known as the Guaranteed Future Value (GFV).

    The Guaranteed Future Value plus your deposit is subtracted from the cash price of the vehicle, and your monthly payments are based on the balance (plus interest on the balance and the GFV). By only repaying the difference between the cash price and the optional balloon payment, you’re only financing the depreciation of the car.

    At the end of the contract, you have four options:

    • ·       You can return the vehicle to the finance company. As long as you haven’t exceeded the agreed mileage, you’ll have nothing more to pay.

      ·       If you want to keep the vehicle, you can simply pay off or refinance the outstanding balloon payment.

      ·       You can come back to us and part-exchange your vehicle for a new one. If the trade-in value is greater than the GFV, the difference can be used towards a deposit on the next agreement.

      ·       You can sell the vehicle privately, and keep any profit over and above the GFV.

      If you want to find out more, please get in touch with your local Arbury team – they’ll be happy to run through your options with you!

    Personal Contract Purchase (PCP) explained
  • Hire Purchase (HP) explained

    Hire Purchase is designed to provide fixed-term funding with the option to own the car at the end of the agreement. You decide your initial lump sum deposit and contract period and, provided all outstanding payments are made, the vehicle is yours!

    If you want to find out more, please get in touch with your local Arbury team – they’ll be happy to help!

    A guarantee may be required. Over-18s only. Written details available upon request.

    Hire Purchase (HP) explained
  • Contract Hire explained

    Contract Hire is designed for individuals or businesses who are looking to make fixed rental payments over a period of 12-48 months without the worries of vehicle depreciation or disposal. Also known as leasing or Personal Contact Hire (PCH), the car is yours to drive throughout the agreement, but you return it to us at the end – giving you the flexibility to lease or purchase another car. The rental is based on a set annual mileage determined by you and can also include a range of additional options.

    If you want to find out more, please get in touch with your local Arbury team – they’ll be happy to run through your options with you!

    Contract Hire explained
  • Cosmetic Repair Insurance (CRI) explained

    Keep your car looking as stylish as the day you drove it off the Arbury forecourt with Cosmetic Repair Insurance (CRI). No matter how careful a driver you are, there’s always the possibility of little bumps, door dinks and scratches from errant trollies to contend with – CRI means any minor cosmetic repair work is covered.

    At Arbury, we offer a number of insurance products to give you complete confidence for the road ahead. Come along to your local dealership to discuss your options with a friendly member of our team.

    Cosmetic Repair Insurance (CRI) explained
Avatar alt tag 1 Avatar alt tag 2 Avatar alt tag 3

Still have questions?

Can’t find the answer you’re looking for? Please chat to our friendly team.


Cathedral Motor Company Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Cathedral Motor Company Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.

We can introduce you to a selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

Our Brands

Select from our range

Whether you're searching for a sporty SUV, practical family car, city-ready supermini or robust van, there's a vehicle for you at Arbury. Choose from petrol, diesel, electric or hybrid, and find the vehicle that suits your needs.