Finance

Personalised Finance Options

Interested in learning more about finance options?

We offer both PCP and HP finance agreements.

To find out more about these agreements check out the videos below, or alternatively, contact our team who are always happy to help.

Terms and Conditions apply, and acceptance subject to credit status.

PCP

Personal Contract Purchase

A Personal Contract Purchase (PCP) is a regulated form of finance which is secured against the vehicle.

  • Has a set annual mileage 

  • Regular monthly payments over a term of up to 4 years (48 months)

  • Has an optional payment at the end known as the Guaranteed Minimum Future Value  (GMFV)

  • Can part exchange the vehicle, pay the GMFV and own the vehicle outright or hand the vehicle back to the finance company

  • Usually a lower monthly payment than HP

HP

Hire Purchase

A Hire Purchase (HP) is a regulated form of finance which is secured against the vehicle.

  • Regular monthly payments over a term of up to 5 years (60 months)

  • No mileage limitations 

  • No ‘GMFV’

  • Once the final monthly payment is made and Option To Purchase Fee have been paid you own the car outright

  • Vehicle can also be part exchanged or handed back to finance company

Arbroath Service Limited trading as MSB Car Sales are acting as a credit broker and not a lender. We will introduce you to a limited number of lenders. We may receive a payment from the lender for arranging the finance for you.

We are regulated and authorised by the Financial Conduct Authority. FRN: 951140

 If you decide to proceed with a PCP, you have the following three options: At the end of the agreement there are three options:

(1) Part exchange the vehicle

(2) Pay the optional final payment and option to purchase fee and own the vehicle

(3) Return the vehicle to the lender