We offer two main ways to finance a new car: Hire Purchase (HP) and Personal Contract Purchase (PCP).

With HP, you pay a deposit and then fixed monthly payments over an agreed term. Once you've made the final payment, the car is yours. With PCP, your monthly payments are usually lower because you're only paying off the car's depreciation during the agreement, not its full value. At the end you can pay the optional final payment to keep the car, hand it back, or part-exchange it for a new one.

You can finance new Nissan, Omoda and Jaecoo models through our York and Teesside dealerships. Our team will help you find the option that suits your budget.

Financing through a dealership keeps everything in one place. You choose your car, agree your finance and arrange your part-exchange with one team, rather than dealing with a separate lender.

As a family-run business for over 75 years, we know a lot of our customers by name and take the time to explain each option clearly. We're a non-independent credit intermediary working with a limited panel of lenders, so we can't compare the whole market. We'll always explain the products we can offer, and it's your decision whether a finance product is right for you.

You can use our online Motor Credit Check to see what finance you may be eligible for before committing to anything, and you can also speak to our team in Teesside or York. Approval is always subject to status, and it depends on the lender's criteria and your individual circumstances.

Yes. Your current car can often be used as a deposit towards a new one. Use our Value Your Car page for an online valuation, or bring it into our Thornaby or York showroom for a valuation from our team. If you still owe money on your current car, we'll talk you through how the settlement figure affects your new agreement.

At the end of a Personal Contract Purchase agreement, you have three options:

1. Keep the car by paying the optional final payment (sometimes called the balloon payment), after which the car is yours.
2. Hand the car back to us, provided it's within the agreed mileage and in fair condition, with nothing more to pay.
3. Part-exchange it for a new car. If the car is worth more than the final payment, that value can go towards the deposit on your next agreement.

Your agreement sets a mileage limit, and extra charges may apply if you go over it or the car has damage beyond fair wear and tear. Speak to our team in Teesside or York before you sign, so you can choose a mileage that fits how you actually drive. Approaching the end of an agreement? Get in touch about a fresh new Nissan, Omoda or Jaecoo.

(APR’s have not been included as these change regularly. Your page includes the credit intermediary and FCA disclosures, so I'd have your compliance provider check that any FAQ wording is consistent with them.)