FCA AUTOMOTIVE SERVICES UK LTD

VEHICLE FINANCE FOR PERSONAL AND BUSINESS USERS
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.

alt image 2

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.

alt image for two columns

Hire purchase



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

How it works:
  1. 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.
  2. Any deposit is deducted from the price of your vehicle. You make regular payments based on the remaining balance plus the agreement interest.
  3. Once all payments have been made, you will own your vehicle outright.

Customer Benefits
  • Fixed monthly 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

alt image 2

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, unlike Personal Contract Purchase, the final balloon payment is not optional and the future value of your vehicle is not guaranteed.

How it Works
  1. Simply choose the vehicle you wish to purchase and decide your agreement term of between 12 and 48 months.
  2. Then choose the amount of the balloon payment that you will defer to the end of the agreement (subject to a maximum set by FCA Automotive
    Services).
  3. 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.
  4. At the end of the agreement, following the settlement of the balloon payment, you will own your vehicle outright.

Customer Benefits
  • Fixed monthly payments for easy budgeting
  • Flexibility – you choose the deposit and agreement term to suit your needs.
  • 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 settlementof the balloon payment you will own your vehicle outright.


Additional Benefits for Business Customers
- Interest charges are allowable against tax

Logo

Leasys UK Ltd


Contract Hire

Leasys UK provide hassle free motoring for businesses and private individuals. 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
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
- 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

Business Contract Hire
- 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.
- 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

Personal Contract Hire
- Monthly payments are fixed and will never change making it easier to budget (changed to VAT are out with our control and may affect your rental)

Logo

Existing Leasys customers, download and explore our free app and register an account via the following sources:

Follow Us
Discover our offers at www.leasys.com

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 visit www.financial-ombudsman.org.uk

Logo

FCA Automotive Services UK Ltd became SAF Approved in September 2009. SAF (Specialist Automotive Finance), was introduced by the Finance & Leasing Association (FLA) in June 2007 to raise awareness of motor finance amongst car buyers by raising standards and improving knowledge of staff in showrooms. SAF Approved was introduced in August 2009 and is now an industry recognised kitemark. It is audited and monitored by the FLA. To become SAF Approved each dealership must submit an annual SAF compliance statement and adhere to the SAF guidance note – a principles-based best practice document that calls for dealerships to lend
responsibly and treat customers fairly. The guidance note uses the FLA Lending Code as its foundation.

FCA Automotive Services UK Ltd is a member of the Finance & Leasing Association (FLA) and adheres to their Lending Code.
The Code is available here: www.fla.org.uk
The FLA Lending Code sets out standards of good practice in consumer lending. It is intended to provide assurance to customers that they may buy with confidence from full members of the FLA.

Leasys UK Ltd is a member of the British Vehicle Rental & Leasing Association (BVRLA) assuring the customer the highest levels of professionalism and integrity.
The BVRLA’s Industry Fair Wear and Tear Standard for Drivers of Cars – licensed to Leasys UK Ltd.
The BVRLA’s Industry Fair Wear and Tear Standard for Drivers of LCVs – licensed to Leasys UK Ltd.


Fiat Professional Insurance Products


Protect yourself against life's what-ifs.

Find Out More