Lotus PCP Car Finance

Our Service

At Clifton Private Finance, we specialise in providing bespoke Personal Contract Purchase (PCP) finance solutions for Lotus vehicles, catering to a range of models designed for exhilarating performance, cutting-edge design, and exceptional driving dynamics. Whether you're considering the striking Lotus Emira, the all-electric Lotus Evija, or the luxurious Lotus Eletre, our expert team connects you with finance packages tailored to your unique requirements.

Through independent market comparisons, we identify top-tier PCP packages, often securing financing within hours. Here's how we make Lotus ownership more accessible:

• Flexible Finance Options: We offer PCP, Hire Purchase (HP), and other finance solutions to suit your needs.
• Competitive Rates: We source cost-effective financing options, with rates as low as 4.9% APR.
• Customised Packages: Finance plans tailored to your budget, lifestyle, and chosen Lotus model.
• Repayment Flexibility: Payment terms designed to fit your financial situation, with options from 12 to 60 months.
• Options for New and Used Models: Whether you're opting for a brand-new Lotus or a pre-owned vehicle, we ensure a perfect financing fit.

Start the process of Lotus ownership today. Contact us for a personalised quote or use our finance calculator to explore your options.

Get a PCP Quote »

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Why Choose PCP Car Finance for Your Lotus?

Lotus vehicles are renowned for their performance, innovative engineering, and iconic design. Personal Contract Purchase (PCP) finance enhances Lotus's appeal by making it more accessible through manageable monthly payments.

PCP is ideal for drivers who value flexibility and affordability while experiencing the thrill of a Lotus. At the end of your PCP agreement, you can:

• Make a final balloon payment to take full ownership.
• Return the car with no additional costs, provided mileage and condition standards are met.
• Upgrade to a new Lotus model with a renewed PCP agreement.

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How PCP Works for a Lotus

PCP finance simplifies Lotus ownership while providing unmatched flexibility. Here’s how it works:

• Initial Deposit: Typically, 10–20% of the car’s value is required to start your PCP agreement.
• Monthly Payments: Lower than traditional car loans, these payments cover the car’s depreciation over the contract term.
• Final Balloon Payment: At the end of the term, you can: Pay the balloon payment to purchase the car outright. Return the vehicle. Use it as a trade-in for a new Lotus PCP deal.

This structure allows you to enjoy Lotus ownership without the financial burden of an outright purchase.

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Lotus Models Eligible for PCP in the UK

Lotus offers a range of high-performance sports cars that combine lightweight design and impressive power. Here are some popular models eligible for PCP finance in the UK:

• Lotus Emira: Starting at £60,000, this sports car is the latest addition to the Lotus lineup. It features a 3.5L V6 engine with 400bhp, a 0-60 mph time of 4.3 seconds, and a fuel economy of 39.2mpg.
• Lotus Evija: Priced around £2,000,000, this all-electric hypercar boasts a 2.0L Electric engine with 1,972bhp, a 0-60 mph time of 3.0 seconds, and a fuel economy equivalent of 124mpge.
• Lotus Eletre: Starting at £100,000, this all-electric SUV offers a blend of luxury and performance. It features a 100kWh battery, a 0-60 mph time of 4.5 seconds, and a fuel economy equivalent of 124mpge.
• Lotus Elise: Priced around £45,000, this iconic sports car provides a thrilling driving experience. It comes with a 1.8L 4-cylinder engine with 220bhp, a 0-60 mph time of 4.9 seconds, and a fuel economy of 39.2mpg.
• Lotus Exige: Starting at £75,000, this track-focused sports car offers incredible performance. It features a 3.5L V6 engine with 345bhp, a 0-60 mph time of 3.9 seconds, and a fuel economy of 39.2mpg.

Our team will connect you with lenders offering competitive PCP packages tailored to your chosen Lotus model.

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Comparing PCP to Other Car Finance Options for Lotus

Selecting the best car finance plan for a Lotus ensures your ownership experience is seamless. Below is an overview of key methods such as Personal Contract Purchase (PCP), Hire Purchase (HP), Personal Contract Hire (PCH), unsecured loans, and credit cards:

Personal Contract Purchase (PCP)

• Advantages: Lower monthly payments, flexibility to keep, return, or upgrade.
• Considerations: Mileage and condition restrictions apply; ownership depends on the balloon payment.

Hire Purchase (HP)

• Advantages: Full ownership after fixed payments, no mileage restrictions.
• Considerations: Higher monthly payments as the full car value is financed.

Personal Contract Hire (PCH)

• Advantages: Regular model upgrades, often includes maintenance.
• Considerations: No ownership option, usage restrictions.

Unsecured Loans

• Advantages: Immediate ownership, no usage restrictions.
• Considerations: Higher interest rates and credit requirements.

Credit Cards

• Advantages: Ideal for deposits or extras, short-term 0% interest promotions.
• Considerations: Impractical for full car purchases due to credit limits.

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Choosing the Right Option – PCP Finance for Lotus

When selecting the right finance option for your Lotus, it’s essential to align your choice with your driving preferences, financial situation, and long-term goals. Each financing method has distinct advantages and considerations, which we’ve outlined to help you make an informed decision:

Personal Contract Purchase (PCP)

• Affordable Monthly Payments: PCP is designed to make owning a Lotus more accessible by financing only the vehicle’s depreciation over your chosen term.
• Flexible End-of-Term Options: At the end of the contract, you have the option to:

Make a balloon payment to own the Lotus outright. Return the vehicle without any further obligations, provided it meets mileage and condition standards. Upgrade to a newer Lotus model with a fresh PCP agreement.

Hire Purchase (HP)

• Ownership at Completion: HP spreads the full cost of your Lotus over fixed monthly payments, leading to outright ownership once all payments are completed.
• No Mileage Restrictions: Unlike PCP, HP does not impose mileage caps.

Personal Contract Hire (PCH)

• Leasing Simplicity: PCH allows you to lease a Lotus for a fixed period without the responsibility of ownership.
• Inclusive Costs: Many PCH agreements include road tax and maintenance.

Unsecured Loans

• Immediate Ownership: An unsecured loan provides you with the funds to purchase your Lotus outright.
• Flexible Terms: Loans can be tailored to suit your repayment preferences.

Credit Cards

• Supplementary Financing: Credit cards are typically used to finance smaller expenses, such as deposits, optional upgrades, or additional accessories for your Lotus.

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GAP Insurance for Added Protection

GAP insurance protects against financial shortfalls if your Lotus is written off or stolen.

• Financial Security: Covers the difference between your car’s market value and the outstanding finance.
• Comprehensive Coverage: Complements your car insurance.
• Added Confidence: Especially beneficial for high-value vehicles.

Let us arrange tailored GAP insurance alongside your PCP plan.

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How to Apply for Lotus PCP Finance

Our simple process ensures fast and efficient financing:

• Get in Touch: Share details about your chosen model, deposit, and preferred terms. Contact us by phone or online inquiry form.
• Receive a Personalised Quote: Explore tailored finance packages.
• Approval Process: Submit required documents. Approvals typically take 24–48 hours.
• Drive Away: Finalise paperwork and enjoy your Lotus with flexible payments.

Contact Us Today

At Clifton Private Finance, we understand that choosing the right finance option can be overwhelming. Our experienced team is here to provide expert advice tailored to your unique circumstances, helping you navigate the complexities of Lotus financing and secure the ideal plan.

Get a PCP Quote »