Introducing you to funding options

Financing your new car

Spread the cost

Overview

Spread the cost of your new car. We offer our customers specialist guidance on a range of different vehicle funding options, tailor-made to suit your budget giving you the flexibility to purchase in the way that suits you best. We are confident that we'll meet the high expectations of both private customers and business users, for new and pre-owned vehicles.

Specialist Guidance

Expertly trained in Automotive Finance, our team's extensive industry experience positions them to adeptly guide you through all aspects of car finance.

Tailor Made Packages

As a credit broker, not a lender, we collaborate with a network of professional partners, offering diverse financial products and services tailored to meet individual requirements.

New or Pre-owned Vehicle Finance

With access to competitive finance packages, we can ensure you get value for money on new or used vehicles.

Private Customers And Business Users

We are able to present many funding options that are suitable for both private individuals or businesses users requiring a fleet.

Hassle-Free

Getting your finance approved is a quick process which we attempt to make as straight-forward as possible.

Continued Support

Our team are always available to discuss and offer confidential advice and options on any an existing vehicle financial agreement

Find Out More

About the products we offer to enhance your ownership journey.

PCP Agreement

PCP Agreement

A personal contract purchase (PCP) is the most popular way of financing a car. This type of contract usually lasts for 3-2 years and at the end of the contract you will have 3 options*: 1) Return the car 2) Pay the resale value and keep it 3) Use the resale value towards buying a new car. *subject to lenders terms and conditions.

PCP explained by video
HP Agreement

HP Agreement

Hire purchase is a way to finance buying a new or used car. You (usually) pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. Subject to lenders terms and conditions.

HP explained by video
How financing a car works

How It Works

Whether you are buying a new or pre-owned vehicle from Esplanade, we provide access to competitive finance packages that are easy to understand. As the UK's largest motor group, we have access to the most competitive lending offers so we can help ensure you get value for money. Getting your finance approved is a quick process which we attempt to make as hassle-free as possible. Our Finance Team are trained in Automotive Finance and their vast experience in the car and finance industry means that they are expertly positioned to guide you in all areas of car finance.

Review your car finance
Part Exchange

Part Exchange

Part exchanges are welcome and any make, model and age of car will be considered. The part exchange value can be used to assist with a new finance plan and our dedicated team will be able to give you options on this.

Value my car

Important Information

Van Mossel IOW Limited Trading as an Mossel Esplanade, Esplanade Volkswagen, Esplanade Mercedes-Benz, Esplanade CUPRA Isle of Wight, Esplanade SEAT Isle of Wight, Esplanade Skoda, Esplanade Volvo and Esplanade Buzz Centre is a credit broker, not a lender PO31 8BF for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only. Finance subject to status, 18+ Ts & Cs apply. Models shown for illustration purposes only. Not available in conjunction with any other offer.

We will usually receive a commission for your introduction. This will either be a fixed fee, or a fixed percentage of the amount you borrow. You will not pay it to us. The exact amount of commission will be confirmed before you sign your finance agreement.

Personal contract purchase (PCP) finance offer: At the end of the agreement, you have 3 options: (i) part exchange the vehicle where equity allows, (ii) pay the Optional Final Payment to own the vehicle, or (iii) return the vehicle. Further charges may be made subject to the condition or mileage of the vehicle.

Andrew Lean CEO - Van Mossel Automotive Group UK

Your Feedback Matters

"For over 78 years, Van Mossel Automotive Group has been built on a foundation of hospitality and outstanding service.

I am passionate about, and committed to, delivering an exceptional experience for every customer who visits one of our businesses in the UK, Channel Islands or Isle of Man. Of course, things may sometimes go wrong and on these occasions, I want to ensure that resolution is smooth and swift.

If you're unhappy with anything we've done, or want to share a positive experience, please let me know by using the contact button below. Every piece of feedback, good or bad, helps us learn, improve, and ultimately deliver the world-class experience our customers deserve.

May I personally thank you for your valued business"

Andrew Lean
CEO - Van Mossel Automotive Group UK

Contact Andrew Lean CEO

Van Mossel IOW Limited Trading as Van Mossel Esplanade, Esplanade Volkswagen, Esplanade Mercedes-Benz, Esplanade CUPRA Isle of Wight, Esplanade SEAT Isle of Wight, Esplanade Skoda, Esplanade Volvo and Esplanade Buzz Centre is an Appointed Representative of Automotive Compliance Ltd who is authorised and regulated by the Financial Conduct Authority (FCA No. 497010). Automotive Compliance Ltd’s permissions as a Principal Firm Van Mossel IOW Limited Trading as Van Mossel Esplanade to act as a credit broker, not a lender, for the introduction to a limited number of lenders, and to act as an agent on behalf of the insurer for insurance distribution activities only. We are a credit broker and not a lender. We can introduce you to a carefully selected panel of lenders, which includes manufacturer lenders linked directly to the franchises that we represent. We act on behalf of the lender for this introduction and not as your agent. We are not impartial, and we are not an independent financial advisor. Our approach is to introduce you first to the manufacturer lender linked directly to the particular franchise you are purchasing your vehicle from, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next most suitable offer of finance for you. Our aim is to secure a suitable finance agreement for you that enables you to achieve your financial objectives. If you purchase a vehicle, in the majority of cases, we will receive a commission from your lender for introducing you to them which is either a fixed fee, or a fixed percentage of the amount that you borrow. This may be linked to the vehicle model you purchase. Different lenders pay different commissions for such introductions, and manufacturer lenders linked directly to the franchises that we represent may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement; however, you will be contributing towards the commission paid to us with the interest collected on your repayments. Before we propose you to a potential lender, we will inform you of the likely amount of commission we will receive and seek your consent to receive this commission. The exact amount of commission that we will receive will be confirmed prior to you signing your finance agreement. All finance applications are subject to status, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

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