Personal 0% Finance Deals are available on a selected range of new cars and you might not even have to pay a deposit.  Selected 0% finance plans may require a minimum deposit amount such as 25%, 40% or 50% of the total vehicle price.  Your part exchange vehicle can be used to contribute towards the required deposit amount.

Details of the minimum deposit required can be found on the related vehicle details page.

KEY FEATURES

• Affordability
  With 0% finance you know if the payments are affordable to you right from the start to ensure that the car and figures meet with your personal and budget requirements.
• No interest or administration charges to pay
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.  That means no interest for you to pay on this car, at all - ever.
• Flexible terms
  0% Finance options available on selected models from 2 years up to 5 years.
• Choice
  0% Finance plans are available on a wide choice of new cars available at Pentagon.

Typical Finance Example on a £13995 car

0% APR

Similar to a bank loan (and sometimes called Hire Purchase), this is where you choose the deposit amount (perhaps including the value of your part exchange), deduct it from the cash price of the vehicle and then make monthly repayments over a 1, 2, 3, 4 or 5-year agreement (whichever you prefer). This is the simplest and most popular method of buying a car with finance. After you've made your final payment at the end of your agreement, the car is yours.

KEY FEATURES

• Fixed repayments
  At the beginning of the agreement, both the amount you will pay every month and the repayment period is fixed and will not change.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Flexible payment terms
  Choose the length of the repayment period to suit your budget. You can choose between 12 and 60 months, it's entirely up to you.
• Low or no deposit
  You can choose to either part exchange your current vehicle and use that amount as you deposit, perhaps use some of your savings as a deposit or put down no deposit and finance the whole amount.

Typical Finance Example on a £6995 car

11.7% APR

Personal Contract Plans are designed to give you greater flexibility when you finance your car. You will benefit from affordable monthly payments which are often lower than those you would expect from a traditional car loan. At the beginning of the plan a Guaranteed Future Value is agreed, which is an amount that will be outstanding at the end of the contract. This amount and the deposit you choose to pay are set against the vehicle price and the monthly repayments are based on the balance. Financing your vehicle this way means you can drive a higher specification vehicle for a lower monthly payment.

KEY FEATURES

• Affordability
  With part of the car's value deferred until the end of the agreement, the monthly payments are lower than with many other finance plans.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Financial security
  With our Guaranteed Future Value you have the security of knowing the minimum value of your car at the end of your agreement.
• Choice
  At the end of your agreement you can make the final payment and keep the car, hand it back, or trade it in. And there's no need to decide what to do until then!

Typical Finance Example on a Vauxhall Corsa 1.2 SXi 3DR at £7995

 Based on 10000 miles per annum. Excess mileage charges will apply.

Want a newer car on credit? Had trouble in the past? At Pentagon we can find you the right car to suit your lifestyle together with a payment plan to suit your budget. We specialise in helping people who have been refused credit or have experienced problems in the past. So whatever your reason - CCJ's, a poor credit history or any other previous problems - we can help.

Can you answer yes to these questions:

• Can you pay by Direct Debit?
• Are you over 19 years of age?
• Do you hold a UK driving licence?
• Have you been in full time employment for the last 12 months?
• Do you have computerised wage slips?
• Do you have a home telephone or mobile phone number?

If so, please call us on 0800 0857296 or apply online when you enquire about any vehicle and you could be driving away in a Pentagon car sooner than you think.

19.9% APR