Car Finance

Many of our customers use finance to purchase their car. Finance offers them flexibility and allows them to keep their cash in the bank. Our finance team have excellent relationships with a panel of specialist lenders, so they can offer the best bespoke finance package for you on the types of car we sell.
Financing a classic is very different from funding a new supercar. Hire Purchase, Personal Contract Purchase or Lease Purchase – we’ve got solutions to suit you, whatever the age and value of the car.
We know which lenders offer the best packages for you and the car that you’re buying.
We will give you a quick decision so you can pick up your new car sooner.
When it comes to purchasing your new car our aim at Nine Excellence Limited is to ensure all our customers are fully informed of the different finance options available to them.
We have fantastic relationships with a variety of funders giving us privileged access to some of the best finance packages on the market.
We pride ourselves on being able to offer very competitive finance rates and finding a bespoke solution to suit individual needs in order to help fund the purchase of your next car in the most cost effective manner.
The different types of finance agreements include:
Hire Purchase
The most simple and straight-forward agreement is ‘hire purchase’ where you pay fixed monthly payments in order to spread the cost of purchasing a car over a number of years. The benefits of this agreement are that deposits are flexible whilst having fixed rates and payments make budgeting a whole lot easier. Terms available upon from 12 – 60 months, written quotations available on request.
Lease Purchase
Lease purchase is our most popular type of finance agreement and is best suited to cars with higher values and for customers that like to change cars regularly. Similar to a ‘hire purchase agreement’ with the main difference being a balloon payment at the end of the agreement. This means that monthly payments are much less and whether you want to settle your agreement early or at the end of the agreement it is your choice whether you want to part-exchange the car, re-finance or just pay off the balance.
Personal Contract Purchase
PCP is similar to Lease Purchase in that the monthly payments are offset by a final payment but the difference with PCP is that this final payment is optional. At the beginning of the agreement the future value of the car is set by the finance company and at the end of the agreement you have the option to just hand back the keys rather than pay the final payment or part-exchanging for another car. PCP suits a customer who is looking to keep the same car for the duration of the finance agreement.
Whichever type of agreement you choose our aim at Nine Excellence Limited is to provide a solution which puts you into the best possible position should you wish to change your car during the agreement or at the end of the agreement as we want to secure more business with you in the future and build long-standing relationships with all our clients.

Nine Excellence Limited is an as an appointed representative – introducer of Gable Asset Finance, which is Authorised and Regulated by the Financial Conduct Authority, firm number 670648. All finance is subject to status and income. Written Quotation on request. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. Nine Excellence Limited is incorporated in England and Wales (company number: 07483377) with its registered office at Unit 3 Axiom Business Park 41, Balcombe Road, Horley, Surrey, RH6 7HF
Nine Excellence Limited is an independent brokerage and not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent finance advisors and so are unable to provide you with independent finance advice. Nine Excellence Limited may receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Nine Excellence Limited aims to provide our customers with the highest standards of service. If our service fails to meet your requirements, we will endeavour to find a resolution.
The Financial Conduct Authority (FCA) regulates financial services in the UK and you can check this on the Consumer Credit Register by visiting the FCA’s website here or by contacting the FCA on 0800 111 6768. Nine Excellence Limited is a credit broker and not a lender. Nine Excellence Limited companies deals with a range of lenders. Nine Excellence Limited  hold a current Data Protection Licence and are registered for VAT.
FCA No. 927543