Aston Martin PCP Car Finance

Our Service

At Clifton Private Finance, we specialise in helping clients secure tailored and competitive PCP (Personal Contract Purchase) finance solutions for luxury vehicles, including the iconic Aston Martin range. Our service offers a comprehensive market comparison to secure you the best rates and options, with many finance arrangements completed within an hour. Here’s what our Aston Martin PCP finance service includes:

• Flexible Finance Options: In addition to PCP, we provide alternatives like Hire Purchase (HP), Lease Purchase, and personal loans to suit diverse financial preferences.
• Competitive Rates: Leveraging our market expertise, we often deliver finance rates that surpass those offered by dealerships, ensuring you get exceptional value.
• Custom-Tailored Plans: Our team works closely with you to create a package suited to your budget, lifestyle, and long-term financial plans.
• Repayment Flexibility: We offer flexible repayment terms, up to 10 years, enabling you to manage cash flow with ease.
• Options for New, Used, and Auction Vehicles: Whether you’re looking at a brand-new Aston Martin or a premium used model, our PCP solutions can adapt to different purchase scenarios.

For a personalised quote, contact us at 0203 900 4322, and let us help you make your dream of driving an Aston Martin a reality.

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Why Choose PCP Car Finance for Your Aston Martin?

Owning a luxury vehicle like an Aston Martin is an investment in both performance and prestige. PCP finance offers a cost-effective way to drive an Aston Martin, spreading the cost over manageable monthly payments. This option provides lower monthly payments and flexible end-of-contract choices, making it a preferred choice for financing high-end vehicles.

How PCP Works for an Aston Martin

PCP finance splits the cost of your Aston Martin into three main stages:

• Initial Deposit: This upfront deposit is typically around 10% of the car’s value.
• Monthly Payments: These payments cover the car's depreciation, not its full value, allowing for lower monthly costs.
• Final Balloon Payment: At the end of the contract, you can either pay this amount to own the car, return it, or exchange it for a new PCP contract.

PCP focuses on paying for depreciation, rather than total ownership, which reduces your monthly payments. At the end of the term, you can either keep the car, return it, or upgrade to a newer model on a new PCP contract.

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Aston Martin Models Eligible for PCP

Aston Martin is synonymous with refined luxury and British engineering. Here are some of the latest Aston Martin models that you can finance through a PCP agreement with our expert brokers:

• Aston Martin DB11: A stunning grand tourer featuring a twin-turbo V8 or V12 engine, the DB11 combines elegance and powerful performance, making it a popular choice for those seeking a high-end driving experience.
• Aston Martin Vantage: Known for its athletic design and dynamic handling, the Vantage offers a thrilling drive with its V8 or V12 engine options. It's ideal for those who value both speed and sophistication.
• Aston Martin DBS Superleggera: As Aston Martin’s ultimate GT, the DBS Superleggera delivers breathtaking power and speed, blending sleek design with top-tier performance, perfect for enthusiasts who want an extraordinary supercar.
• Aston Martin DBX: This luxury SUV provides the practicality of an SUV while maintaining Aston Martin’s signature performance and style, ideal for drivers looking for versatility and luxury in one package.

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Comparing PCP to Other Car Finance Options

For Aston Martin finance, it’s important to understand how PCP compares to other options, like Hire Purchase (HP) and leasing, each offering unique benefits depending on your financial goals.

Personal Contract Purchase (PCP)

PCP offers lower monthly payments and flexibility at the end of the term. Instead of paying towards full ownership, PCP focuses on the car's depreciation, resulting in lower monthly costs. You can either pay the balloon payment to own the vehicle, return it, or upgrade at the end of the contract.

Pros:

• Lower monthly payments than HP
• Flexibility to own, return, or upgrade the vehicle
• Ideal for new or lightly used cars

Cons:

• Mileage limits and condition checks apply
• Interest rates may vary for used cars

Hire Purchase (HP)

With HP, you make monthly payments to own the vehicle outright at the end of the contract. Payments are higher as they’re based on the total vehicle value rather than its depreciation.

Pros:

• You own the car outright after the last payment
• No mileage limits or condition fees

Cons:

• Higher monthly payments than PCP
• Less flexibility for future upgrades

Personal Contract Hire (PCH) / Leasing

PCH is a lease, allowing you to drive a car for a fixed term without ownership options, suited for those wanting a new car without ownership responsibilities.

Pros:

• Lower payments, often including maintenance
• No ownership costs

Cons:

• No option to own the car
• Mileage limits and possible wear-and-tear fees

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Benefits of Choosing PCP for Your Aston Martin

• Affordability: Since PCP covers depreciation, monthly payments are lower, making Aston Martins more accessible.
• Flexibility: Options to own, return, or upgrade let you change your vehicle in line with your preferences.
• Equity: If the market value of your Aston Martin at the end of the term is higher than the Guaranteed Minimum Future Value (GMFV), you have equity that can go towards a new deposit or be claimed back.

Factors That Can Affect Your PCP Approval

Lenders consider several factors before approving PCP finance, including:

• Credit Score: A high credit score can secure more favourable terms.
• Affordability: Lenders will evaluate your income against expenses to ensure manageable monthly payments.
• Income Verification: Lenders may request payslips, bank statements, or tax returns for self-employed applicants.

Having these documents ready can streamline the approval process and help secure the best terms.

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GAP Insurance for Added Protection

GAP (Guaranteed Asset Protection) insurance is a valuable add-on for PCP agreements. It covers the gap between your primary insurance payout and the remaining balance on your finance in the event of a write-off or theft. We can assist you in finding suitable GAP insurance to protect your Aston Martin investment.

Types of GAP Insurance:

• Finance GAP: Covers the remaining balance on your finance agreement.
• Return to Invoice (RTI): Covers the difference between the insurance payout and the car’s original price.
• Vehicle Replacement: Covers the cost of replacing the car with an equivalent model if prices have risen.

Additional Financial Considerations

PCP finance involves more than just monthly payments. Here are other costs to budget for when financing an Aston Martin:

• Insurance: Essential, typically not covered by the finance provider.
• Maintenance: Routine servicing is required unless covered by a maintenance package.
• Road Tax: Mandatory for most vehicles.

How to Apply for Aston Martin PCP Finance

Ready to finance an Aston Martin? At Clifton Private Finance, we simplify the process, providing expert guidance to secure competitive terms.

• Use Our Car Finance Calculator: Get an estimate on the Aston Martin model you’re interested in.
• Contact Us: Speak with one of our car finance specialists to discuss options tailored to your needs.

Call us today at 0203 900 4322 for a tailored quote and take the next step toward driving your dream Aston Martin with flexible and affordable PCP finance.

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