We know searching for the right car loan can be a minefield. There's so much choice out there and it's often difficult to know if you are getting the best value for money. Our guarantees to you are;

Fixed Rates
Your regular payment will not change during the course of your agreement no matter how much the Bank of England base rate fluctuates.

Low Deposit
We only need a small deposit of £99 on the vast majorty of deals. Some even require no deposit.

Easy To Arrange
There are no forms to fill in. All you will be asked for are a few basic details at the time of the sale and to bring your driving license prior to collection.

The Pentagon 0% Plan
0% finance deals are available on a selected range of new and used cars. 0% finance plans may require a minimum deposit amount such as 25%, 40% or 50% of the total vehicle price.  Your part exchange vehicle can be used to contribute towards the required deposit amount.

KEY FEATURES

• Affordability
  With 0% finance you know that the payments are affordable right from the start
• No interest or administration charges to pay
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.  That means no interest for you to pay on this car, at all - ever.
• Flexible terms
  0% Finance options available on selected models from 2 years up to 4 years.
• Choice
  0% Finance plans are available on a wide choice of new and used cars available at Pentagon.

Traditional Finance

Traditional Finance - also know as Hire Purchase (HP) - tends to suit the buyer who intends on keeping the vehicle for longer than the term of the loan. Your deposit is deducted from the total cash price of the vehicle to give a balance that requires financing. Interest is then added and the total of the balance and interest is then repaid in equal installments throughout the life of the loan via monthly repayments, usually over a 1, 2, 3, 4 or 5-year agreement (whichever you prefer). This is the simplest and most popular method of buying a car with finance. After you've made your final payment at the end of your agreement, the car is yours.

KEY FEATURES

• Fixed repayments
  At the beginning of the agreement, both the amount you will pay every month and the repayment period is fixed and will not change.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Flexible payment terms
  Choose the length of the repayment period to suit your budget. You can choose between 12 and 60 months, it's entirely up to you.
• Low or no deposit
  You can choose to either part exchange your current vehicle and use that amount as you deposit, perhaps use some of your savings as a deposit or put down no deposit and finance the whole amount.

The Pentagon Low Payment Plan – also knows as Personal Contract Purchase (PCP) – is a popular and flexible method of paying for a vehicle. It is similar to Traditional Finance but the payments are usually lower because there is an optional final payment that reflects a percentage of the anticipated value of the vehicle at the end of the agreement. At the end of the agreement you may pay the final payment, or return the vehicle to the finance company. Most customers part exchange the vehicle when making their next purchase and use the part exchange value of the vehicle to settle the final payment. Choosing to pay for your vehicle this way means you can drive a higher specification vehicle for a lower monthly payment.

KEY FEATURES

• Affordability
  With part of the car's value deferred until the end of the agreement, the monthly payments are lower than with many other finance plans.
• Fixed interest rate
  Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Financial security
  With our Guaranteed Future Value you have the security of knowing the minimum value of your car at the end of your agreement.
• Choice
  At the end of your agreement you can make the final payment and keep the car, hand it back, or trade it in. And there's no need to decide what to do until then!

Want a newer car on credit? Had trouble in the past? At Pentagon we can find you the right car to suit your lifestyle together with a payment plan to suit your budget. We specialise in helping people who have been refused credit or have experienced problems in the past. So whatever your reason - CCJ's, a poor credit history or any other previous problems - we can help.

Can you answer yes to these questions:

• Can you pay by Direct Debit?
• Are you over 19 years of age?
• Do you hold a UK driving licence?
• Have you been in full time employment for the last 12 months?
• Do you have computerised wage slips?
• Do you have a home telephone or mobile phone number?

If so, please call us or apply online when you enquire about any vehicle and you could be driving away in a Pentagon car sooner than you think.