Car Finance
Flexible finance options in Exeter, Devon
Helping to Fund Your Next Vehicle with Vehicle Finance
At Livery Dole, we make car finance in Exeter and Devon simple, flexible and affordable. Whether you’re purchasing a new or used car, our tailored finance solutions are designed to suit a wide range of budgets and personal circumstances.
We specialise in providing flexible vehicle finance options that allow you to spread the cost of your next car with manageable monthly payments, helping you drive away in the vehicle you want without unnecessary financial strain.
Flexible & Affordable Car Finance Options
We work closely with a carefully selected panel of reputable finance providers to ensure our customers receive competitive rates and transparent terms. Our current finance partners include:
- Black Horse, who trade as International Motors Finance
- MotoNovo Finance
By working with specialist lenders, we are able to consider a wide variety of credit profiles and help secure a finance solution that works for you.
To get started, simply complete our online finance application form. A member of the Livery Dole team will review your details and contact you as soon as possible to discuss your options. You’re also welcome to browse our latest stock and choose your preferred vehicle while your application is being processed.
Car Finance Exeter – Designed Around You
Our vehicle finance solutions are ideal for customers across:
- Exeter
- Devon
- The wider South West
Whether you’re looking for low monthly payments, ownership at the end of the agreement, or the flexibility to change vehicles regularly, we’ll help guide you to the most suitable option.
What Is Hire Purchase (HP)?
Why Choose Hire Purchase?
Hire Purchase (HP) is a straightforward and popular car finance option that allows you to spread the cost of your vehicle with fixed monthly repayments. Once all payments are made, you own the car outright.
How Hire Purchase Works
- You agree an initial deposit, finance term and monthly repayments with Livery Dole
- Your deposit is deducted from the price of the vehicle
- The remaining balance, plus interest, is repaid in equal monthly instalments
- The finance provider purchases the car on your behalf and owns it during the agreement
- Once all repayments (including interest) are completed, ownership transfers to you
Hire Purchase is ideal for customers who want clear, fixed payments and full ownership at the end of the agreement.
What Is Personal Contract Purchase (PCP)?
Why Choose PCP?
Personal Contract Purchase (PCP) offers lower monthly payments than Hire Purchase, as a portion of the vehicle’s value is deferred to the end of the agreement as an optional final repayment.
PCP is a popular choice for drivers who like flexibility and the option to change vehicles more frequently.
How PCP Works
- Agree an initial deposit, agreement term and annual mileage
- Monthly repayments and the optional final repayment are calculated based on the vehicle’s expected future value
- At the end of the agreement, you can:
- – Part exchange the vehicle
- – Return the vehicle (subject to mileage and condition terms)
- – Pay the optional final repayment and own the vehicle outright
- Black Horse purchases and owns the vehicle for the duration of the agreement
- Ownership transfers to you only if the optional final repayment is made
APR (Annual Percentage Rate) represents the total cost of credit and is designed to help you compare different finance offers.
What Is Contract Hire (PCH & BCH)?
Why Choose Contract Hire?
Contract Hire, also known as Personal Contract Hire (PCH) or Business Contract Hire (BCH), is available on all of our new vehicles and is ideal for customers who prefer to lease rather than own.
Contract Hire allows you to enjoy fixed monthly rentals with no concerns about resale or depreciation at the end of the agreement.
How Contract Hire Works
- Choose your vehicle
- Select flexible initial rental options (subject to underwriting)
- Agree annual mileage and contract length
- Optional servicing, maintenance and repair packages can be added
- At the end of the term, simply return the vehicle (subject to mileage and condition guidelines)
Additional Details
- Contract terms typically run between 2 and 5 years
- Exceeding the agreed annual mileage will result in excess mileage charges
- Mileage and contract duration can be amended (except within the first or last 6 months), with payments adjusted accordingly
Contract Hire is ideal for customers who want predictable costs and the flexibility to upgrade regularly.
Why Choose Livery Dole for Car Finance in Devon?
- ✔ Trusted new and used car dealer in Exeter
- ✔ Access to leading UK finance providers
- ✔ Flexible finance options to suit all budgets
- ✔ Clear explanations with no hidden surprises
- ✔ Friendly, knowledgeable local team
We take the time to explain every option clearly, ensuring you’re confident and informed before proceeding.
Apply for Car Finance Today
If you’re searching for car finance in Exeter, vehicle finance in Devon, used car finance, new car finance, Hire Purchase, PCP or Contract Hire – Livery Dole is here to help.
Complete our online finance application form today and a member of our team will be in touch to guide you through the next steps towards funding your next vehicle with confidence.
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