Creditplus 
products and services
Products and Services
Creditplus.co.uk specialises in the provision of finance facilities to allow private individuals to purchase new and used cars, commercial vehicles, caravans and motorcycles. Our aim is to make the arrangements as easy and hassle free as possible. We can arrange car finance balances of up to £50,000 and repayment terms up to 60 months.
Buy confidently with Creditplus
All vehicles purchased directly from Creditplus come withour Customer Promise which means you can be
assured of a quality vehicle every time.
Any vehicle supplied by creditplus is given a
7 days returns policy.
Hire Purchase
A fixed monthly cost and fixed loan period ideal for consumers wanting a fixed budget. The user is effectively the owner but title does not pass until the loan is fully repaid. As it constitutes a loan monthly payments do not carry VAT. The client has cancellation rights at the halfway point in the agreement. Hire purchase is available on vehicles to 10 years old.
Personal Contract Purchase
A conditional sale agreement, with a balloon or residual value set from outset. Fixed cost, fixed term, with options at the end of the contract to either pay the balloon payment or return the vehicle. However dehire damage and excess mileage rates apply. The user has three options at the end of contract:
Return the vehicle to the leasing company
Purchase the vehicle at the pre-determined residual value (balloon)
Retain the vehicle and re-finance the balloon payment
Lease Purchase
Lease Purchase is effectively a Hire Purchase contract that includes a single larger payment (Balloon) at the end. This reduces the monthly payment during the life of the contract. The client must pay the balloon payment or fund the balloon payment at the end of the contract. The balloon is set from the start of the contract. Fixed term and fixed monthly payment.
Been refused before?CCJ's?Mortgage arrears?No credit history?Self employed?If we can't find you a loan, no one can.
