FAQ\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\'s

01245 833900

01245 833900

What is PCP?

PCP, also known as personal Contract Purchase is a finance arrangement where you will usually pay an initial deposit (10%) followed by monthly instalments. Once your agreed contract term has finished you will stop paying intstalments and you will have the option of buying the car if you want to.

What is HP?

HP, also known as Hire Purchase agreement, is a car finance agreement where you will usually pay an initial deposit and will pay off the entire value of the car in monthly instalments. When all the payments are made, the Hire Purchase agreement ends and you own the car. HP will be available to most customers, even those with poor credit ratings. This is because the loan is secured against the car and is used as collateral.

What is PCH?

PCH, also known as Personal Contract Hire or car leasing, is essentially a long term car rental agreement where you pay a fixed monthly fee to use the car for an agreed time period. It is exclusively for private individuals and helps combat the problem of depreciation. Though the car is in your possession, it never actually is yours to own.

What is BCH?

BCH, also known as Business Contract Hire is very similar to Personal Contract Hire in the sense that it is a long term car rental agreement. Where a fixed monthly fee is paid to use the car for an agreed time period. The difference here is that it is exclusively for business.

What if i have bad credit?

Not to worry, if you have a poor credit history, you can still apply for car finance. At SWA900 we will look at your personal circumstances, we will require 3 years worth of employment status, address history and details on your income and expenditure, you'll then get your exact intrest rates and payments.

What is APR?

APR, also known as Annual Percentage Rate, is the intrest rate applied to your loan. Essentially its the yearly cost of your borrowing, which you will pay this on top of the sum you applied for.

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Customer Reviews

Very happy with the service! Easy to deal with and great communication, fantastic service when it comes to the actual handover of the vehicle too. Ext... Read More

Ryan Ling

I literately can’t praise the service I received from SWA900 enough. They was professional from the start, reasonable with the prices and the purcha... Read More

Angus Pearce

Really impressed with Martinet at SWA900 Automotive not pushy at all and great knowledge of cars, thank you for the brilliant service! And thanks for... Read More

Kim Guest

I recently bought a Mercedes A class from martinet in with we received excellent service. I am extremely happy with the purchase. I would defiantly re... Read More

Joshua Hooper

Never bought a car from a dealership before and never left a review before, but I must say this has been a great experience!!. Highly recommend SWA900... Read More

Ross Johnson

I bought my 1 series from SWA900 roughly two months ago and I can say the whole process was very easy and stress free! Not only was I happy with the c... Read More

Max Wheeler

Great choice of cars and personalised service. Fully recommended

Waqas Hussain

Used Martinet twice now. Knowledgeable, efficient and helpful in sourcing affordable and most importantly, reliable cars. Highly recommend!... Read More

Rob Hayes

Really impressed with Martinet at SWA900 Automotive thank you for the brilliant service and thanks for my new car! Will recommend!!... Read More

Remus Gabriel

Been after a new car for quite some time and I couldn’t seem to find what I was after, but after telling SWA900 what I was looking for they absolute... Read More

Michael Hannon Frost

Fantastic service and cant thank the guys enough for there help in choosing my now brand new car!!!... Read More

Adam Has

Didn’t have the time to go searching for what is now my brand new car which I’m over the moon with. Managed to find Mar. Gave him a long list of w... Read More

Colin Bristow

Everything ran smoothly - Martinet was very helpful and we received excellent service! The car was ready and waiting for me when we went to pick it up... Read More

Andy Lewys

Fantastic company to deal with. Mart was brilliant in looking for the perfect car to my requirements! Highly recommended.... Read More

James Goulding

Wow! What an excellent and professional service these guys offer! Recommended to use these guys within 3 days we met, they viewed my car, hounoured th... Read More

Alex Milne

Many thanks!

Magdalena Wlodarska

I recently purchased a Ford, and from the moment I first spoke to Martinet and to the day I picked the car up he was extremely helpful and professiona... Read More