Finance
At Spire Vehicles Ltd, we know that buying a car is a big decision — and we’re here to make it simple and stress-free. Our experienced team is on hand to guide you through every stage, ensuring you’re confident and fully informed. To make your next car more affordable, we offer a range of flexible finance options designed to suit your lifestyle and budget. Whether you need a family-friendly vehicle or something more performance-driven, we’ll help you find a deal that fits. We’ve also partnered with trusted finance providers to bring you competitive rates, clear terms, and total peace of mind.
Car Finance Explained
There are three main types of finance deals that you might want to consider:
At Spire Vehicles Limited, Hire Purchase (HP) is a popular and straightforward way to finance your next car. This type of finance agreement is secured against the vehicle, making it a great option for those who want to spread the cost over a set period. You’ll usually start with an initial deposit, followed by fixed monthly payments that include interest. Once all the instalments have been paid, you’ll own the car outright. It’s a clear and reliable method to get behind the wheel of your ideal vehicle with manageable payments and no surprises.
At Spire Vehicles Ltd, Personal Contract Purchase (PCP) is an ideal choice for those who prefer driving newer cars with manageable monthly payments. You start with a deposit, followed by fixed instalments over an agreed term—typically around three years. When the agreement ends, you can choose to pay a final balloon payment to own the car, return it with no further commitment (subject to mileage and condition), or put any remaining value towards a new vehicle. It’s a flexible, cost-effective way to stay on the road in a car you love.
At Spire Vehicles Ltd, Personal Leasing — also known as Contract Hire — offers a simple and flexible way to enjoy driving a car without the commitment of ownership. Just pick your vehicle, set your contract length and mileage, and pay a fixed monthly amount. When the lease ends, you simply return the car, with no need to worry about selling or depreciation. It’s a smart option for drivers who like to stay behind the wheel of newer models while keeping costs predictable and hassle-free.