FCA AUTOMOTIVE SERVICES UK LTD

COMMERCIAL VEHICLE PERSONAL FINANCE

If you've set your heart on a Ducato, or you're eyeing up the Doblò Cargo, our finance plans are the easy and affordable way to get you on the road. Simply choose the plan that suits your budget, lifestyle and needs.

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Advance Payment Plan (APP)


No monthly payments, just a single upfront payment, followed by a choice of three final options at the end of your agreement term.

How it works
  • Simply choose your term and mileage. FCA Automotive Services will determine the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement, this will be deferred to the end of the agreement and is the optional final payment.
  • The GMFV is deducted from the price of your vehicle; you simply pay the remaining balance (plus any interest) as a single up-front payment.

  • Deposit equals the list price of the vehicle less the GMFV plus any interest applicable.
  • At the end of the agreement, just choose from one of the following options:
    • Renew: Choose a new vehicle from your local retailer and use any excess value over the GMFV towards your deposit. You can trade in your old vehicle or sell it privately.
    • Retain: If you wish to keep your vehicle, you only need to pay the GMFV.
    • Return: Simply return your vehicle to FCA Automotive Services in a good condition and within the agreed annual mileage.


Customer Benefits
  • Ideal if you were planning to pay for your vehicle outright. By deferring part of the initial outlay until the end of the agreement term there is less to pay today.
  • Less to pay today equals more spending power. Why not upgrade to a higher spec or even switch from a used vehicle to a new vehicle.
  • Provides an opportunity to retain savings in personal investments.
  • No monthly payments.
  • The GMFV protects you against any potential fall in used vehicle values.
  • With a 24-month term you can be driving a new vehicle more often, meaning your servicing and maintenance costs may be reduced. This also allows you to be up-to-date with technological advancements in vehicle safety, performance and economy.
  • Flexibility – at the end of your agreement you choose which of the three options is right for you.

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Hire purchase



Benefit from a regular payment structure with outright ownership of your vehicle at the end of the term.

How it works

Simply choose the vehicle you wish to purchase, the amount of deposit you want to pay, and decide your agreement term of between 12 and 60 months. Any deposit is deducted from the price of your vehicle. You make regular payments based on the remaining balance plus the agreement interest. Once all payments have been made, you will own your vehicle outright.

Customer Benefits

- Fixed regular payments for easy budgeting - Flexibility - you choose the deposit and agreement term to suit your needs - You own your vehicle at the end of the agreement with no deferred lump sum to pay

Additional Benefits for Business Customers

- Interest charges are allowable against tax

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Balloon Hire Purchase


This plan is the same as conventional hire purchase with one key difference – there is a larger “balloon” payment deferred to the end of the agreement. This reduces the fixed regular payments. However, the final balloon payment is not optional and the future value of your vehicle is not guaranteed.

How it Works

Simply choose the vehicle you wish to purchase and decide your agreement term of between 12 and 48 months. Then choose the amount of the balloon payment that you will defer to the end of the agreement (subject to a maximum set by Fiat Professional Financial Services). The balloon payment and any deposit are deducted from the price of your vehicle. You make regular payments based on the remaining balance plus the agreement interest. At the end of the agreement, following the settlement of the balloon payment, you will own your vehicle outright.

Customer Benefits

- Fixed regular payments for easy budgeting - Flexibility - you choose the deposit and agreement term to suit your needs - Your regular payments are reduced because the balloon payment is deferred to the end of the agreement - You own your vehicle at the end of the agreement

Additional Benefits for Business Customers

- Interest charges are allowable against tax

Contract Hire



Business Contract Hire provides hassle free motoring for your business. It is an efficient way of funding the use of a vehicle without the cost of ownership. You benefit from low initial outlay, regular rentals and no worry about disposal of your vehicle at the end of the contract. You can also include a full maintenance package within the monthly rental. This covers regular servicing costs as well as the costs of wear and tear to things like brakes and tyres.

How it Works

We purchase the vehicle you choose, allowing us to claim back the VAT. This means that your payments are calculated on a VAT exclusive price. You choose the vehicle you wish to drive, agree your annual mileage and decide your hire period of between 24 and 60 months. Choose whether to include a full maintenance package within the monthly rental. Your rental is calculated based on your choices. At the end of your term, simply return the vehicle to us (within the agreed mileage and in good condition), choose your next vehicle and start again.

Customer Benefits
- Rentals are lower as they are calculated on the VAT exclusive price of the vehicle
- VAT registered businesses can reclaim the VAT paid on rentals
- Rentals are allowable against tax - Off balance sheet funding
- Low initial outlay and regular rentals for easy budgeting
- Road Fund Licence included for the duration of your contract
- The optional maintenance package brings all your running costs together in a single rental
- Flexibility to change your contract term and mileage should your circumstances change
- No concerns over the future value of your vehicle
- You don't have the worry of selling your vehicle at the end of your contract

Treating Customers Fairly



At FCA Automotive Services UK Ltd and Leasys UK Ltd​ we are committed to offering our customers the highest possible standards of service. In so doing we are pleased to support the Financial Conduct Authority initiative: ‘Treating Customers Fairly’. For more details on our customer commitments, please click here.

To maintain obligations as described in the Financial Conduct Authority Handbook we are obliged to report our complaints data which can be found here.

We aim to resolve any complaints internally, however if you are not satisfied with the result or 8 weeks have passed since you first made your complaint, you may have the right to refer your complaint to the Financial Ombudsman Service- for more information please see www.financial-ombudsman.org.uk

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