Finance Options at Shelbourne Motors

When purchasing a new or used vehicle there are a number of finance or leasing options available. There are many options available at Shelbourne Motors dealerships which can be tailored to suit your needs and budget. We will happily present you with the finance options available & ensure that you have all the information you need to make a decision.

Whether its Hire Purchase (HP) or Personal Contract Purchase (PCP) we work with a number of finance companies to ensure that you can drive away in your ideal vehicle at a fixed monthly cost to suit.

Popular Finance Options

Hire Purchase


Personal Contract Hire

Benefits of Financing through a dealership

We can introduce you to a number of carefully chosen lenders meaning as well as offer you a free credit check service meaning you have the convenience of dealing with one company through your entire buying experience. Watch the video to find out the why you should finance through a dealer.

What is PCP?

Personal Contract Purchase explained

Personal Contract Purchase or PCP allows you to set your monthly repayments fixed and lower by deferring a significant proportion of the amount of credit to the final repayment at the end of the agreement. You agree an initial payment as your deposit which can be as high or as low as you like. You then adjust your annual mileage as well as how long you would like the agreement to last. Based on this information we can then work out the value of the car at the end of the agreement. This amount is guaranteed meaning that you don't have to worry about depreciation.

The options at the end of the agreement are:
1) Part exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status or
2) Return the vehicle and not pay the Final Lump Sum Repayment. If the vehicle is in good condition and has not exceeded the agreed maximum mileage you will have nothing further to pay. If the vehicle has exceeded the agreed maximum mileage a charge for excess mileage will apply or
3) Pay the Final Lump Sum Repayment to own the vehicle.

What is HP?

Hire Purchase explained​

Hire Purchase means you spread the cost of the vehicle over a fixed period of time. Firstly you agree how much you would like to put down as an initial deposit, the agreement term and monthly repayment amount will be the remaining agreed cost of the vehicle. At the end of the agreement you will own the vehicle. 


• Borrow any amount from £1,000 and set repayments to suit your budget for terms of 1–5 years
• Available on new or used cars up to 14 years old at the end of the agreement, some exceptions apply
• Flexible Deposit Options – 0% deposit may be available subject to status

example text here.