Spread the Cost
Rather than paying a large amount upfront, finance allows you to spread the cost over fixed monthly payments, helping make budgeting easier.
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Flexible car finance
Flexible finance solutions available on our vehicles — designed to help you drive away in the car you want, with payments tailored around your budget.
Flexible Finance
We work closely with our customers and trusted finance providers to help make purchasing your next vehicle simple, affordable, and stress-free.
Whether you are looking to upgrade your current car, spread the cost of your purchase, or secure a more manageable monthly payment, our finance solutions are designed to help you drive away in the vehicle you want with payments tailored around your budget.
With a range of flexible finance packages available, including zero deposit options on selected applications, we aim to help make vehicle ownership more accessible than ever.
Getting started is quick and straightforward — our team will guide you through every step.
Once we understand your requirements, our finance team will work to help find the most suitable finance package available for your circumstances.
Get in TouchThe Benefits
Vehicle finance is now one of the most popular ways to purchase a car in the UK, giving customers greater flexibility and affordability when buying their next vehicle.
Rather than paying a large amount upfront, finance allows you to spread the cost over fixed monthly payments, helping make budgeting easier.
Finance can often allow you to access a newer vehicle, higher specification model, or lower mileage car than you may have considered when paying outright.
Instead of using all of your savings on one purchase, finance allows you to keep money available for other important expenses or emergencies.
Selected finance agreements may be available with zero deposit, helping you secure your next vehicle without needing a large upfront payment.
Many finance agreements include fixed monthly payments, giving you confidence and clarity throughout your agreement term.
Many customers choose finance because it gives them the flexibility to change their vehicle more frequently and enjoy newer models more often.
Available Products
Choose the agreement that works best for you.
Option 1
Hire Purchase is a simple and straightforward way to finance a vehicle.
HP is often ideal for customers looking for a clear path to ownership with fixed repayments.
Option 2
PCP finance can provide lower monthly payments compared to traditional finance agreements and offers additional flexibility at the end of the agreement.
PCP quotes can vary depending on residual values, annual mileage, deposit amount, and term. We are happy to provide tailored illustrations designed around your individual driving needs.
We aim to make vehicle finance simple, transparent, and customer-focused.
We work with a panel of lenders to help find competitive finance options for a wide range of customers and budgets.
Our finance enquiry process is designed to be fast, easy, and clear from start to finish.
Every customer is different, which is why we aim to provide finance solutions tailored around your individual circumstances.
All finance arrangements are fully FCA regulated, helping ensure that finance is offered responsibly, fairly, and transparently.
Our team is here to help guide you through the process and answer any questions you may have throughout your finance journey.
From enquiry to handover, our team is on hand to make the finance journey easy and clear.
If you have found the perfect vehicle on our website, get in touch with our team and we will work with you to help find the most suitable finance solution available for your needs.
Drive away sooner with flexible finance solutions.
Dealer Finance Partnerships: We may receive a commission from finance agreements depending on the lender, agreement type, finance rate, and term selected. This does not affect our commitment to treating customers fairly and providing clear and transparent finance solutions at all times.
Verified Customer Reviews
What a great experience it was buying a car from Luctus motors Broxbourne, what a refreshing change to deal with people like John and Steve very professional and honest about the condition of the car before I made the 2 hour journey to view it was in the excellent age condition they said , in fact better Steve gave me a 20 minute test making sure I was happy with the car before he showed me all the paper work made me a coffee and processed the sale very smoothy I would highly recommend buyer a car from Luctus motors dealers like John are very hard to find
Recently bought a Volvo V60 imported from Japan from Lectus. John and Steve were a pleasure to deal with. Was a slight software. Issue with the ADAS system which John promised to deal with. John kept in touch throughout and it was sorted promptly. The car is immaculate, couldn't be happier. I will be in the market for a 2 seater convertible in the future, a Z4 or a boxster/cayman, I will not hesitate to give John a call to see if he can source another import for me.
Very helpful and easy to deal with. PartEx was straight forward helped sort the car car.
Excellent experience at Lectus cars , john and steve are honest and reliable , highly recommend , would buy from them again
easy good puchase, very happy
Brilliant- bought great audi tt, good part ex, very friendly and helpful - thank you .
Fantastic service.really nice people car is amazing.very helpful.really happy thank you.⭐️⭐️⭐️⭐️⭐️👍highly recommended.
John and Steve very nice to deal with , Steve very helpful and knowledgeable of cars , will be going back to get car serviced in the future ,
Absolutely brilliant, John was reliable, professional and honest, great experience from start to finish 👍
from the moment I met John for the initial look at the car I found him to be totally honest and easy going with no hard sale at all. He left me on my own to check over the car which i did over a couple of hours, without any interruptions or glossing over anything at all. The car itself so far has been an absolute dream with no issues. I would have no qualms with recommending Lectus Cars.