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Finance available for all - Limited Companies, Sole Traders, Private Individuals, Poor Credit...

Matt Lock Commercials to make the buying process as easy as possible. We offer a range of finance options so there’s something for everyone:

Matt Lock Commercials want to make the buying process as easy as possible. We offer a range of finance options so there’s something for everyone: Our online platform allows you to either self-propose yourself to one of the major lenders, or do a “soft search” to see if you might get accepted. You can do this online 24/7 at your comfort and we can even do all the paperwork via EClick online without you having to even visit us.

Hire Purchase
Finance Lease
Contract Hire (For New Vehicles Only)
Lease Purchase

Purchasing the vehicle of your choice couldn’t be simpler using our finance options. We have access to all the major finance houses and additional specialist lending companies to get you the best deal that’s right for you.

With over 25 years’ experience, we are happy to advise you depending on your circumstances and we can arrange a finance agreement that best suits you.

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Why Finance
Through a Dealership?

What is
Hire Purchase?

What is
Personal Contract Purchase?

Why Hire Purchase?

Most of our business if Hire Purchase, here is a helpful explanation of the benefits:

The simple way of financing vehicle purchase. This is where combined capital and interest is paid by equal monthly instalments over a set period. Title to the Goods remains with the finance company until all the payments have been made, when you become the owner.

There is no VAT added to the instalments and for self-employed or companies, the vehicle is classed as an asset and the interest is tax deductible.

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Benefits of Hire Purchase

Low Initial Outlay
Flexible Repayment Period
Equity Retained
Write Down Allowance Offset Against Profit
Fixed VAT FREE Monthly Cost
No Mileage Restrictions
100% Tax Relief on Interest Charges
Shown as Asset on Company Balance Sheets

Cash Flow – Hire Purchase allows you to make an initial outlay and pay the balance over a period, retaining your capital for other uses. The monthly payment is fixed allowing you to budget monthly expenditure precisely in advance.

Repayment Period – Choose the correct term that suits your needs. FROM 12 TO 60 MONTHS

Deposit – With a minimum of VAT only (subject to status) reclaimable for VAT registered customers, Hire Purchase couldn’t be easier. OR you could even use your current Part exchange vehicle, subject to its value

No Mileage Restrictions – Drive as much, or as little, as you want.

VAT Free Monthly Payments – As you pay the VAT upfront there is no VAT on the repayments.

Tax Relief – You can claim 100% tax relief on all the interest charges.
Company Asset – Because your vehicle becomes a Company Asset you will benefit from a writedown allowance against profits.

Equity – You own the equity in your vehicle. Any value above the settlement figure is yours. Once you’ve made all repayments the vehicle is yours. The equity can be put back into your business or used against your next vehicle purchase.

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