Vehicle finance discretionary commission complaints
The Financial Conduct Authority says some customers may have been charged too much on their vehicle finance before 2021.
Get support with commission complaintsConditional Sale (CS)
If you want to own the vehicle at the end of the agreement.
Spread the cost of your vehicle with a Conditional Sale agreement
You put down a deposit and borrow the remaining cost of the vehicle, paying it back monthly over the term of the agreement. At the end of the agreement you own the vehicle.
Available for cars, motorcycles and vans.
Initial deposit
You put down a deposit of around 10% of the vehicle price and pay the remaining cost of the vehicle over the term of the agreement.
Fixed monthly repayments
Monthly repayments are fixed during the agreement and spread equally throughout the term, including interest. The agreement is up to five years (60 months).
No lump sum
There's no lump sum to repay at the end of the agreement, unless an optional balloon repayment is set.
Optional balloon repayment
An optional balloon repayment is available, payable at the end of the agreed term. This can help to reduce the monthly payment amount.
You become the legal owner
At the end of the agreement you pay the title transfer fee and become the legal owner of the vehicle.
Finance is secured against the vehicle
If you fail to meet your monthly repayments, the vehicle can be repossessed.
How it works
Watch this introduction to Conditional Sale and see why it might be the right choice for you.
Finance options to suit you
We have a range of finance products available to you, depending on your budget and your vehicle needs.
- Fixed monthly payments
- Early repayment options
- Own the vehicle at the end of the agreement
- Option to own the vehicle at the end of the agreement
- Option to exchange the vehicle at the end of the agreement
- Excess mileage charges
- Vehicle condition charges (Wear and Tear)
- Fixed monthly payments
- Early repayment options
- Option to own the vehicle at the end of the agreement
- Option to exchange the vehicle at the end of the agreement
- Excess mileage charges
- Vehicle conditiona charges (Wear and Tear)
Personal Contract Purchase (PCP)
If you want the option to change or upgrade your vehicle.
View product- Fixed monthly payments
- Early repayment options
- Option to own the vehicle at the end of the agreement
- Option to exchange the vehicle at the end of the agreement
- Excess mileage charges apply
- Vehicle condition charges apply