Heading
Close X
Menu
At Sandal, we understand that choosing the right BMW or MINI is about more than just the drive - it’s about finding a solution that fits your lifestyle and your budget. That’s why our experienced finance specialists are on hand at both of our centres to guide you through your options. We take the time to understand your individual needs, helping you build a tailored finance package that works for you. Whether you’re looking for lower monthly payments or a shorter agreement, we offer a range of flexible solutions.
Our simple, fully managed process means all paperwork is handled in-house by our team, so there’s no need to send documents away or wait for funds to be transferred - making your journey to your next BMW or MINI as smooth as possible.
Personal Contract Purchase (PCP) is one of the most popular finance options, ideal if you enjoy changing your BMW or MINI every few years.
It offers flexibility, lower monthly payments, and clear options at the end of your agreement.
What is the process?
At the end of your agreement, you can:
Why choose PCP?
Why choose Personal Contract Purchase?
Hire Purchase is a straightforward way to own your BMW or MINI, with fixed payments and no mileage restrictions.
What is the process?
At the end of the agreement, the vehicle is yours.
Why choose Hire Purchase?
Personal Contract Hire is a simple leasing option that allows you to drive a new BMW or MINI without the responsibilities of ownership.
What is the process?
At the end of the agreement, you simply return the vehicle.
What are the benefits?
What is the process?
What are the benefits?
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?
At the end of your agreement, you will be asked to choose between three options:
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?
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.
