" " " " New and Used Car Dealer | Wakefield & Huddersfield, West Yorkshire | Sandal Motor Group

PERSONAL FINANCE

At Sandal, we understand the importance of finding a BMW or MINI that’s perfect for you to get you in the driving seat, which is why we go beyond the drive to pass on our expert knowledge to help you buy the right BMW or MINI within your budget. Our finance specialists are available in both our centres to provide you advise finance options for all our customers. We listen to your individual needs and provide advice on how to build a bespoke finance package to suit your lifestyle.

There are several products to choose from, whether you are looking for lower monthly payments or shorter terms. We can offer a speedy process that ensures all paperwork is completed quickly by the dealership, without the need to send any documents away or wait for money to be transferred to your bank account.

PERSONAL CONTRACT PURCHASE​​

​This is the most popular finance option for customer who like to change their BMW or MINI frequently between 24 and 48 months before it depreciates.

What is the process?

  • Choose the BMW or MINI (new or used) you like
  • Decide on a suitable repayment period
  • Decide on your annual mileage
  • You will be provided a Guaranteed Minimum Future Value. This is your options final payment
  • Choose a deposit and payments suitable for budget repayment

​At the end of the lease term you have a choice; 

  1. Part exchange your BMW or MINI for another BMW or MINI
  2. Keep the BMW or MINI and pay the final payment
  3. Hand it back and have nothing further to pay.

Why choose Personal Contract Purchase?

  • Your monthly payments are fixed, so there are no nasty surprises
  • There is a Guaranteed Minimum Future Value, so you know what your part exchange value you will be at the end of the term.
  • Lower monthly payments than traditional forms of funding because the final payment at the end reduces your monthly commitment
  • Changing your BMW or MINI regularly saves money on repairs and maintenance

​HIRE PURCHASE 

BMW or MINI Hire Purchase has no mileage restrictions. You can spend as much time on the road as you like and when you get to the end of your finance agreement, your BMW or MINI will be all yours*.

What is the process?

  • Choose the BMW or MINI (new or used) you like
  • Decide on suitable repayment period from 12 to 60 months
  • Agree a deposit and then calculate monthly payments to align with agreement period.
  • At the end of the period, the BMW or MINI belongs to you.

Why choose Hire Purchase?

  • You have a fixed monthly payment to help with your budgeting
  • You own the BMW at the end of the period

PERSONAL CONTRACT HIRE

This option offers you the option to have a BMW or MINI without the worry of ownership or depreciation.

What is the process?

  • Choose the new BMW or MINI you like
  • Decide on a hire period between 24 and 48 months
  • Decide on your annual mileage
  • Look at rental options to suit for your budget
  • At the end of the period, simply hand your BMW or MINI back.

What are the benefits?

  • Fixed monthly payments including servicing and maintenance costs fixed for the term as an option
  • No depreciation worries
  • There is no BMW or MINI to sell at the end of the contract



BMW DIVIDE

Available only for selected BMW 7 series, BMW 8 series, BMW M and BMW i8 new models only. For those customers with a significant deposit and low monthly payments. Please speak to our sales team for qualifying options.

What is the process?

  • Choose an eligible BMW you like
  • The agreement is for upto 24 months.
  • You pay a significant deposit of between 40% and 60% of the BMW’s cash price.
  • The deposit will be made up of the vehicle’s cash price minus the monthly payments and minus BMW’s Guaranteed Future Value.
  • The Guaranteed Future Value is what we estimate your BMW will be worth when your finance agreements ends. This will also be your optional final payment.

At the end of your agreement, you will be asked to choose between three options:

  1. Pay the optional final payment and keep your BMW**
  2. Part-exchange your BMW for a new one
  3. Return your BMW and, as long as you have not exceeded the mileage allowance and it has been well looked after, there will be nothing more to pay***

In both the first two options, 1 and 2, if the value of your car is more than what we estimated for you in the Guaranteed Future Value (GFV), you will benefit. If the market value is lower than our GFV estimate, you can choose to return the car to us with nothing further to pay, other than any excess mileage or damage charges.***

What are the benefits?

  • There is a Guaranteed Minimum Future Value, so you know what your potential part exchange value you will be at the end of the term.

  • The opportunity to pay a significant deposit with low monthly payments and the choice of part-exchange, keep or hand back the BMW at the end of your agreement with 0% APR Representative. 

BMW DIVIDE TERMS AND CONDITIONS.
Sandal Motors (Huddersfield) Limited, trading as Sandal is a credit broker not a lender.
BMW Divide is available for selected 7 Series, 8 Series, BMW M and i8 models. New cars only. Ask your BMW Retailer for qualifying models.

Deposit of between 40% and 60% of the cash price is required depending on the vehicle financed. Representative 0% APR available on a 24-month BMW Divide agreement (subject to availability) Retail customers only. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). Finance available subject to credit acceptance to UK residents aged 18 or over. Guarantees and indemnities may be required. Not available with any other offer. ‘BMW Divide’ is a form of hire-purchase agreement provided by BMW Financial Services, Summit ONE, Summit Avenue, Farnborough, Hampshire GU14 0FB. Optional final payment not payable if you opt to return the vehicle at the end of the agreement (vehicle condition, excess mileage and other charges may be payable). You will have a 14 day statutory right to withdraw from the agreement. We commonly introduce customers to a selected panel of lenders including BMW Financial Services. We may receive commission or other benefits for introducing you to such lenders. This introduction does not amount to independent financial advice. BMW Divide not available with BMW Approved Used vehicles.

**We remain the owner of the vehicle during the agreement and we may become entitled to recover the vehicle if you do not keep up your repayments.

*** If your agreement is regulated by the Consumer Credit Act, this contractual option will be in addition to your statutory right to end the agreement early.




FINANCE QUOTE REQUEST

" "