Transparency from Quotation to Agreement

Baytree is fully authorised and regulated by the Financial Conduct Authority (FCA). Our sales staff are Specialist Automotive Finance (SAF) qualified experts. We have direct partnerships with Alphera (BMW Financial Services) and Blackhorse Motor Finance. The aim is to provide a transparent and informed service right from quotation to agreement, ensuring customers are fully aware and understand the different options that are available to them.

HP - Hire Purchase

With hire purchase, you put down a deposit that suits your budget. You then pay the rest of the value of the car in instalments, over a period of two to five years.

You are in effect hiring the car until you make your final payment, after which you will own the vehicle.

PCP - Personal Contract Purchase

Pay any deposit and then the monthly repayments until the end of the agreement. Then you have three options – pay the optional final payment to own the vehicle, hand the vehicle back to the lender and walk-away or hand the vehicle back and use any equity in the market value of the vehicle over the optional final payment as a deposit towards a new finance agreement.