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20th Jul 2019 - We can supply any make and model, so please email us or call the above number for your personalised quotation today!!!
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Testimonials

I would like to thank Chris Fairchild and Juliet Whitmore for their efficient and friendly service. Their experience and care showed, I now drive the car I wanted, within the budget I had in mind and am glad to say the whole process was painless. Many thanks and all the best! Will definitely recommend.
Marina

Marina G

Had a great experience with First Vehicle Finance. I wasn’t really sure what I wanted in terms of payment options, all I knew was that I wanted a new car! This was my first experience in financing a car, so obviously a bit apprehensive about what I was getting myself into. But Will was really helpful in explaining the different finance options they have to offer. I learned of the different payment profiles, monthly instalments, leasing contracts, all down to the nitty gritty. After this, I decided to go with FVF. The process was really easy, straightforward, and if I had question, they were more than happy to help, and quickly. Then I learned they deliver your car free of charge! Which saved me arranging a ride to the garage to collect :) All in all, great service and would recommend to family and friends.

Sophie Goodwin

FVF have been suppyling our vehicles for the last 9 years. They make everything seem so easy and straight forward. They even brought a car to us to test drive when all the local dealers did not have the car we were looking for. The team are so helpful and friendly.
I recommended FVF to a family member and a neighbour from which both have said how pleased they were with the service they received. If you are looking for a small hatchback or a prestige car the service is all the same which is first class. We look forward to dealing with Chris and the team for many years to come.

Dean Nash

Hi David,
I Received my Volvo V40 R Design today and could not be happier. The car has more than met my expectations, but just as important the service from you has been impeccable throughout. From the initial very competitive quote, all the way through to the delivery today was a pleasure that I could not fault in any way. Keep up the exceptional work, Thanks a lot.

Angela Clarke

My truck back has now had the top installed. I can honestly say it's now my favourite car I've owned (over my RS5)

And I can't thank you enough for your hard and consistent service you've offered me. Please don't change your ways. You're a great company to deal with. Hats off to Will for battling hard for my custom. I wasn't an easy client.

Will be in touch in the next month for another truck and van

Jamie

Jamie B @ Prestige

First class service received from David and the Team at First Vehicle Finance. You have made the process of arranging our lease plan so straight forward and easy to understand. Thank you so much for all your help. We are delighted with our new car. Kind Regards Dermot Kavanagh

Dermot Kavanagh

Good Morning Chris
Just reporting back on my new company car I recieved from you yesterday. Very impressed on the model and spec of the car,what is also incredible is that its a bigger engine than my previouse model yet it has a lower emission output.This is good from a tax point but also better for the enviroment.The MPG is also better so that will result in operating cost for the company being lower. I have to say that when my old car was collected it was a bit sad as it had given me 3 years of trouble free motoring.I had not even had to change one single light bulb on the car during that time.Look forward to the next three years of motoring with my new car. Thanks again for all the help with giving me and my colleques all the P11D information for us to send to the HMRC office regarding personal taxation liability and the delivery was right on the day specified.
Best Regards
Gary Day

Gary Day


David - a quick note to thank you for sorting out the X3.

The car arrived at 9:10 this morning, and Bernard Rooney followed up with a call to see if everything was ok.

I did not expect this level of service as we had not bought from you before, and I'm delighted.

Thanks for all your help over the months on sorting out the finance and spec on my X3 and June and John's X1.

Many companies spout about excellent customer service but few deliver like your company has.

Thanks again, Giles

Giles Blackburn

I first engaged with Chris Fairchild back in 2014 and have found him to be of great assistance, honourable and a thoroughly good person to deal with. My last 2 cars have been via Chris and I am sure many more will follow. It is with great delight I endorse his work and cannot recommend him highly enough.

Adrian Orton

Will Chan
I had dealt with First Vehicle Finance before and on both occasions I have found the service to be excellent. They listen to the requirements and deliver.

Will Chan

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Finance Lease advantages and disadvantages

Finance Lease is a popular funding option for commercial vehicles where Contract Hire is not suitable. (Cars can be financed as well)

Your business uses the vehicle while paying a rental rather than a repayment. The monthly rental is determined by the initial cost of the vehicle (excluding VAT), the period of the finance lease and the residual value (the estimated future value of the vehicle at the end of the finance lease period once depreciation is taken into account), plus interest.

Advantages:

  • Minimum capital expenditure
  • Accurate monthly budgeting
  • A fixed interest rate is available on some contracts
  • No damage recharge as you are responsible for disposal of the vehicle
  • Finance lease is a very popular choice for VAT registered companies as they can claim back 50% of the VAT on the finance element for cars and generally 100% for commercials (subject to no private use). On contracts with maintenance the service element VAT is 100% recoverable
  • Rentals can be offset against the businesses profits. Cars with a CO2 output above 130g/km are currently subject to a 15% disallowance on the amount of the rental that can be claimed against the businesses taxation, for cars with a CO2 output of 130g/km or below, there is currently no disallowance
  • Reduced administration
  • On-going advice and support
  • Optional maintenance package
  • Optional breakdown rescue cover
  • Optional replacement vehicle cover in event of breakdown
  • Optional GAP insurance which provides cover for the shortfall between the outstanding finance and the insurance value if the vehicle is declared a write-off by your insurance company

Disadvantages:

  • You will never own the vehicle as the vehicle must be sold to a third party as the end of the agreement
  • Operating risk associated with the vehicle
  • Interest rates can vary on some contracts
  • You must have fully comprehensive vehicle insurance

More Information on Finance Lease:

Although you never take ownership, at the end of the finance lease contract a payment equivalent to the residual value is payable. Usually this means that the vehicle is sold and a proportion of the proceeds of the sale are returned to the lessee.

Most finance lease companies will offer a number of payment options to suit your cash flow. You can lower the monthly rental with a balloon payment at the end of the contract, or you can pay the entire cost in monthly rentals (normally referred to as a fully amortised Finance Lease), in which case you may be able to extend the finance lease with a secondary rental (sometimes called a peppercorn rental)

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