We are an FCA approved dealer, able to offer a range of finance options to suit all needs. Our staff are fully trained finance professionals, so you can be confident in funding your purchase with one of the major lenders we use.
We work closely with MotoNovo Finance, who themselves are a highly respected organisation in the vehicle financing industry, offering a range of relevant products and services quickly, efficiently and competitively.
When you place an order with us, we only ask for a small holding deposit, then we can provide flexible low rate finance packages, enabling you to purchase your van with ease and at low cost monthly payments. Alternatively, you may wish to arrange your own financing which would be payable when your vehicle is ready for delivery.
Hire Purchase is a way to finance buying a new or used van. You will normally pay an initial deposit and will pay off the entire value of the van in monthly instalments. When all the payments are made, the Hire Purchase agreement ends, and you own the van outright.
The short answer is yes, you can end your finance early. There are different provisions within each finance agreement that allows you to do just that. If you have got through two-thirds of the way through your finance agreement, the options to end the finance agreement open up.
For a Hire Purchase agreement, there is an option of paying it off early through a settlement fee. A settlement fee covers the cost of any remaining unpaid instalments and interest payments remaining on the agreement. Once the settlement fee is paid, you take full ownership of the vehicle early.
Under a Personal Contract Purchase agreement, you can also pay a settlement fee for bringing the agreement to an end early. After that, you can choose to hand the vehicle back or you have a second option. Through a PCP agreement, you can take full ownership of the vehicle by paying off the remaining Guaranteed Minimum Future Value, also known as a balloon payment.
As the independent regulator of financial services, the Financial Conduct Authority (FCA) mandates that we furnish you with an ‘Initial Disclosure Document.’ This document encompasses details about our organisation, the range of products we offer, the services we will provide, our service fees, our regulatory authority, and the steps to follow in the event of a complaint.
WVC Vehicle Solutions Ltd are authorised and regulated by the Financial Conduct Authorised under RFN 663192. WVC Vehicle Solutions Ltd is authorised as a credit broker, not a lender.
We are committed to treating customers fairly whilst ensuring our products and services are suitable for their needs.
We can introduce you to a limited number of lenders who might be able to finance your purchase. We will only introduce you to these lenders.
You may be able to obtain finance for the purchase from other lenders and we encourage you to seek alternative quotations.
We, WVC Vehicle Solutions Ltd, may receive a commission payment for introducing you to a lender. You may request the disclosure of this amount.
We, WVC Vehicle Solutions Ltd, may receive a commission payment for introducing you to a lender. This could be a fixed amount or a fixed % of the lend. You may request the disclosure of this amount.
Please note, if you have any health issues, difficulty understanding information or there are any recent life events that could affect your ability to fully understand the information and documentation presented, you should carefully consider the amount of time you require to review the documentation. You should also consider if it is advisable for you to have someone you know, help you make your decision. You should access the monthly payments you are required to make throughout the agreement and ensure you are able to meet these obligations.
Your credit rating could be adversely affected if you do not keep up with your payments. This could make it harder for you to obtain credit in the future and/or make it more expensive.
If you wish to register a complaint, please contact us in writing at sales@wvc.co.uk or by post at Felstead Manor, Long Lane, Stanwell, TW19 7AN. You can also contact us via phone on 01784256255.
If you would like to know how we handle complaints, please ask for a copy of our complaints handling process. If you cannot resolve a complaint with us, you may be entitled to refer it to the financial ombudsman service, In writing: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR.
Throughout the process of administering services for you, we will need to collect personal information from you and pass this information to one or more third party organisations in order for them to supply any service you request. This may include passing this information to one or more potential lenders or credit brokers to enable them to make a credit decision. These lenders may use your information to conduct an affordability and credit worthiness assessment and will do so using the consent given by you.