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Car finance explained

We can Find and Finance your next car!

Car infographic showing how Personal Contract Purchase car finance works.
Car infographic showing how Hire Purchase car finance works.

Personal Contract Purchase (PCP)

With PCP finance, you make equal monthly payments over an agreed term. At the end of the agreement, you can decide to hand the car back to the lender, upgrade it to a newer one, or buy the car with an "optional final balloon payment".

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Hire Purchase (HP)

HP finance allows you to spread the cost of the car by making monthly payments over an agreed term. This is the simplest car finance type for those who want to own the car after all payments are complete. You can choose to make payment over a term of 24 to 60 months. 

Car Leasing

Car Advice and Guides

Wave Motor Group shares the latest news, reviews, advice and useful tips on all things motoring. Keep an eye on our blog for car recommendations, industry updates, and more information about car finance and driving in the UK.

Help and Support

Monday to Friday 9.00 - 18.00
Saturday 9.00 - 14.00

Office: 01200 760 230
Accounts: 01200 760 230 *200

Mobile: 07496 348233
Whatsapp: 07496 348233

Address

Valley Vehicle Solutions Ltd T/A Wave Motor Group
Unit 24
Mitton Road Business Park
Mitton Road
Whalley
BB7 9YE

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Company Number 12821408      VAT Number 379628145

Valley Vehicle Solutions Ltd t/a Wave Car Finance are a credit broker and not a lender. We are Authorised and Regulated by the Financial Conduct Authority. FCA No: 941402 Finance is Subject to status. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.

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