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Product Information Exploring Finance options online can be daunting but we’re here to help you find the right arrangement for you, be it HP, PCP or an alternative.
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Finance your car online with DS Dalgleish

By taking advantage of our flexible finance solutions, you’ll enjoy a seamless and stress-free route to full vehicle ownership.

Buying online with DS Dalgleish is easy. Just follow four simple steps.

  1. Browse our extensive range of new Nissan, Subaru or SsangYong vehicles – or click through our wide selection of high-quality used cars which includes several non-franchised models.
  2. When you’ve found your ideal vehicle, use the finance calculator on the right-hand side of the vehicle detail page to find a deal that suits your needs. At this point, you can add extras, factor in a part-exchange deal and choose your delivery date.
  3. Now, it’s time to apply for finance online. Be sure to read and understand the terms of your agreement because an online application may involve a hard credit search. If you have any questions at all, please don’t hesitate to contact us.
  4. Once you’ve submitted your application, we’ll soon be in touch to confirm details of your request.
What is Personal Contract Purchase (PCP)?
PCP
PCP is one of the most popular car financing solutions because it’s one of the most flexible – and on a monthly basis, it’s one of the most affordable. With PCP, you’re required to provide a deposit, followed by fixed monthly payments which cover part of the vehicle’s overall cost. This represents the difference between the car’s price at the start of the agreement and its expected value at the end. The very last payment is optional. Sometimes referred to as a ‘balloon’ payment, it is in fact the car’s guaranteed minimum future value (GMFV). It’s higher than your regular monthly payments because prior monthly instalments only pay off the car’s depreciation. A PCP contract typically lasts between 24 months and 60 months.

Will I be approved for Finance?

This will depend on your credit score and/or your ability to make the payments. If you satisfy one or both criteria, you’ll likely be accepted for car finance.

Can I get car finance even if I have bad credit?

If you have bad credit, you’re more likely to be accepted for PCP than for, say, leasing because it allows lenders to adjust the rate of interest to protect their risk. This means that if you get financing, you could incur higher interest rates.​​

What is APR?

It stands for annual percentage rate and it includes interest charged on financing (such as a PCP agreement) and any additional fees.​​

What is the difference between a soft credit search and a hard credit search?

  • Soft credit search – this checks your credit history without adversely affecting it.
  • Hard credit search – this is undertaken if you apply for financing (e.g. a PCP deal) and it will show up on your credit history, possibly negatively if you have a less than perfect score.

​

Videos on PCP
View Vehicles on PCP
What is Hire Purchase (HP)?
HP
One of the oldest forms of car financing solutions, HP is favoured by motorists who wish to work towards outright ownership. HP is more straightforward than PCP, even though it follows a similar structure: deposit followed by fixed monthly payments. However, the latter tend to be higher with HP because they pay off the overall price of the car. That said, there is no final, larger optional payment to be made, and once you pay the last monthly instalment, the car is yours to keep.

Will I be approved for Finance?

It depends on your credit history. A good credit score will mark you out as a risk-free proposition. On the other hand, a poor credit score might make lenders feel like they’re taking a risk, and if accepted, you may find that you’re required to pay higher interest rates.​​

Can I get car finance even if I have bad credit?

It tends to be easier to get a HP agreement than a PCP agreement if you have bad credit because the value of the loan is secured against the car. However, if you miss payments, the lender could possess the vehicle to settle your debt.​​

What is APR?

APR (annual percentage rate) includes interest rates and any additional charges. ​​

What is the difference between a soft credit search and a hard credit search?

A soft credit search is used to check your eligibility for finance and it doesn’t affect your credit history.

A hard credit search is undertaken if you decide to apply for financing. It will show up on your credit history, and possibly adversely affect it if you already have a poor score.

Videos on HP
View Vehicles on HP

We have trained finance specialists within all of our dealerships who pride themselves in offering outstanding customer service and assisting customers in finding the right funding solution to suit their pocket and individual circumstances.
With clear agreements and competitive finance packages available to suit your needs, we're confident we can help you get something special on your driveway.

Finding the right purchasing agreement is as important as selecting the right vehicle.

With this in mind, we have designed a number of attractive finance packages to make things that much easier.

Why Buy Online? Got a question or need help with an electric vehicle?
If you're looking for your next vehicle, our teams across the country will be happy to assist to help meet and exceed your requirements. Click on the link below to get in contact with your local retailer. Reasons To buy Online