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Finance Guide - v4vans

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Hundreds of options; but which is the right option for YOU?

Our Easy-to-use Guide sets out what you NEED TO KNOW

The world of Vehicle Finance can be a confusing one

Are you feeling confused? not sure if finance is your best option? wanting more information? Give us a call on 01933 461 044

CONTRACT HIRE

1) Choose Your Vehicle

2) Choose Your Length of Term

This is often calculated in months to make calculation of monthly payments easier. For example 24, 48 or 60 months.

3) Pay Initial Rental

Ordinarily 3 months worth of the monthly payments thereafter, but this can be tailored.

4) Hand back the vehicle at the end of the lease term.

  • High Mileage Users

    Contract Hire gives you, the customer, the ability to pick your own mileage allowance for the term

  • Larger companies/ franchise’s with numerous fleet vehicles

    More favourable offers are made available for larger fleet agreements

  • Servicing included

    Annual servicing and warranty can be included in the monthly price

  • Ensure mileage allowance is realistic

    Excess mileage is chargeable

  • The definition of ‘reasonable wear and tear’

    Your idea of reasonable wear and tear may be different to the Contract Hire company.

    Something you MUST consider if using the vehicle for commercial purposes

Still confused? Could this be the right option for you? You’ve got a few questions? No problem - Give us a call on 01933 461 044

FINANCE LEASE

1) Choose Your Vehicle

2) Choose Your Initial Payment

You ONLY pay VAT on this figure

3) Length of term and Balloon options

Balloon payments – a payment made at the end of the finance agreement to settle the remaining funds within your agreement.

SEE BELOW FOR THE DANGERS OF MIS-SOLD BALLOONS

4) Any vehicle equity is yours

  • Low Initial Outlay

    The initial deposit within Finance Lease is very flexible

  • No Mileage restrictions

    No extra mileage charges

  • VAT Efficient

    For VAT registered users, VAT on monthly payments and initial deposits can be claimed at the end of your VAT quarter.

    We do always advise double-checking with your own accountant for the full benefits

  • Make sure you look at more than the monthly payment figure when making a decision

    Many people are sold into a Finance Lease agreement purely on the lowest monthly payment figure.

    These mean a larger outlay at the end of the lease is payable – often leaving customers out of pocket!

    SEE BELOW AN EXPLAINATION ABOUT GOOD AND BAD BALLOONS

Total Finance Value £10,000

Responsible 'Ballooning' Example

£1500

Balloon payable

at end of lease

Initial payment

£2500

(Estimated vehicle value)

£6000 Balance

Over 24 months = £250pm

Total Finance Value £10,000

Irresponsible 'Ballooning' Example

£1500

Balloon payable at end of Lease

£4000

Initial payment

£2500

(Estimated vahicle value)

£4500 Balance

Over 24 months = £187.50pm

£1500

MONEY YOU

STILL OWE

Irresponsible Balloon setting means customers are STILL left owing large sums of money after

cashing in their vehicle value... BE CAREFUL!

Still confused? Could this be the right option for you? You’ve got a few questions? No problem - Give us a call on 01933 461 044

HIRE PURCHASE

1) Choose Your Vehicle

2) VAT and Deposit payment

3) Pay Initial Rental

The remaining balance is then funded over the remaining loan period

4) After you’ve paid the final payment, the vehicle is yours

Only when the final payment has been paid is the vehicle owned by you

  • You own the vehicle at the end of the agreement

    Contract Hire gives you, the customer, the ability to pick your own mileage allowance for the term

  • No mileage restrictions

  • Can be used to reduce tax liability

  • It’s familiar

    For some people it’s a tried and trusted, recommended method.

  • Large initial outlay

    Typically 10% of the vehicle cost plus ALL the vat

  • Ownership or hire?

    Until the FINAL payment has been made, you DO NOT own the vehicle.

    Many people never actually own their Hire Purchase vehicle as they change it for a newer model before they’ve made the final payment!

Still confused? Could this be the right option for you? You’ve got a few questions? No problem - Give us a call on 01933 461 044

TESTIMONIALS

We have worked with the team at V4Vans for several years now and our experience has been excellent.

The timing of van deliveries is very important for our clients and V4Vans have never let us down.

Their continuous communication with us allows us to ensure everything comes together in a managed way that delivers the right result for the end client.

I have worked with the V4Vans guys now on many vehicles and I can’t recommend them high enough!

V4Vans are very accommodating and understand the needs of our business and franchisee, delivering first class vehicles straight to our franchisees door ready to put to work.

Put simply – a pleasure to do business with!

When I decided to become a new MAC Tools franchisee I was aware the van would be key to my success.

V4Vans took me through the whole process in a professional friendly manner and delivered the van, finished to a very high specification and bang on time.

I would have no hesitation in recommending them.