LilliPut Village, Burnts Mill Road
Basildon, SS13 1DY
Working Hours Mon-Fri: 8.00 - 17.00

Car Finance


Financing a car can be a confusing prospect. You can rely on us to explain all of the jargon and run through all of the options so you feel confident in making the right choice.
With our great finance partners and finance packages, you can rely on Car Swapia to put you in the car of your dreams.

Talk to Experts

Using finance to purchase a car opens up more opportunity, and most of our customers already take advantage of it. Through our financing partners our goal is to find a finance package that suits you and your car.
Our teams regularly liaise between our customers and range of finance companies for you for a successful result.

Quick Decisions

Our Business Managers will always work firmly towards your personal budget and are proud to frequently help customers save money.
Having great relationships with finance companies means we receive privileged access to some of the best rates and can find a bespoke solution to suit your individual needs. In fact, we can often deliver a decision within 60 minutes!

Types of Finance

There are three main types of finance that we’ve introduced below. Don’t worry, we’ll explain the options and process in straightforward terms.

Your Finance Options

Personal Contract Purchase

Commonly called a PCP, a Personal Contract Purchase agreement or ‘PCP’ is a finance product designed to help reduce monthly payments by delaying part of the repayment until the end of the agreement. This final payment is often referred to as the GMFV or Guaranteed Minimum Future Value and is guaranteed by the finance lender. This figure is calculated using industry data and determines the likely value of your vehicle at the end of the finance agreement, in line with the term and estimated annual mileage. The GMFV will offer you additional protection in the future should car values drop in the used car market.

Hire Purchase

Hire Purchase - or ‘HP’ for short - is a finance product that allows you to budget accurately by giving you a fixed interest rate and fixed monthly payments. After paying a relatively low deposit, you hire your car and will pay off the entire value of the car in monthly instalments. It’s one of the simplest forms of finance you can choose, because there are no restrictions on your mileage.

Our Role

Like other dealerships, we are a credit broker and not a lender. Our team can introduce you to a limited number of lenders and their finance products which may have different interest rates and charges. We are not an independent financial advisor. Through our network of finance companies We can arrange for an advise for you on the products, subject to your personal circumstances, though you are not obliged to take this advice or recommendation.
We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (at a fixed percentage of the amount you borrow).The lenders we work with could pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

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