Telephone: 01933 650313

Finance at Central Garage in Irthingborough, Wellingborough Northamptonshire

At Central Garage, we want your vehicle purchase to be as smooth as possible, including choosing the correct finance method to best suit your circumstances.

On this page you can read the basics of the various options on offer. Please feel free to call us and speak to one of our experts for more thorough information.


Hire Purchase (HP)

With HP, you pay a deposit and pay off the value of the car in affordable monthly instalments with the loan secured against the car. This means you don't own the vehicle until the last payment is made.

  • Any outstanding finance must be settled if the vehicle is sold.
  • You do not own the vehicle outright until the final payment is made.
  • Your vehicle is at risk of repossession if you do not maintain contractual payments.
  • You must not sub-lease or rent the vehicle to a third party.

Personal Contract Purchase (PCP)

Currently the most popular way to finance a car and is essentially a long-term loan agreement. Monthly repayments tend to be lower and at the end of the term, you have a few options:

  • Return the vehicle.
  • Put any equity value of the car towards the the purchase of your next vehicle.
  • Pay the ‘balloon’ payment and take fully ownership of the vehicle.
  • This is ideal if you like to change your car every few years.

Central Garage (Irthlingborough) Limited is authorised and regulated by the Financial Conduct Authority, FRN: 669558. All finance is subject to status and income. Written quotation on request. We act as a credit broker not a lender. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers. It is our intention to provide a high level of service at all times. However, if you have reason to make a complaint about our service you should contact Central Garage (Irthlingborough) Limited at 76 Station Road, Irthlingborough, Wellingborough, United Kingdom, NN9 5QE. If we are unable to resolve your complaint satisfactorily, you may be entitled to refer the matter to the Financial Ombudsman Service (FOS). Further information is available by calling the FOS on 0845 080 1800 or at