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 Finance options
 

With finance from International Motors Finance Limited you will discover our rates are specially negotiated and you will know exactly how much you need to budget. We will help you decide which package is right for you and can also offer you the option of a protection plan that’s best for you.

Hire Purchase
One of the simplest ways you can finance. You pay an initial deposit calculated as a percentage of the total cost. You then repay the remaining cost, plus interest charges, by monthly payments. Fixed rate means your payments will remain the same.

Hire Purchase with balloon
Hire Purchase with a 'Balloon Payment' is an alternative method of funding that many people find more attractive than traditional Hire Purchase. By opting to pay a final 'Balloon Payment' at the end of the agreement, your monthly payments are reduced.

Equity
With Equity you decide how much deposit you want to put down on a new vehicle. The minimum is 10% and the maximum is 40% of the list price. The amount left is the figure that needs to be financed. We then promise you a Minimum Guaranteed Future Value of the car. This is based on the value of the car at the end of two or three years and it is known as the MGFV. It is calculated so that, at the end of your agreed period, the MGFV is lower than the value of the car.

Gap Insurance
FINANCIAL PROTECTION FOR WRITE-OFFS AND UN-RECOVERED STOLEN CARS
If your car is stolen or written off in an accident, most insurers usually pay the market value. Unfortunately this all too frequently does not equal the early settlement figure of your finance agreement. Consequently, many people find themselves in a position where they are unable to replace their car with one of a similar value because they still have to make payments to their finance company to pay off the existing agreement. GAP Insurance means you could be protected for up to five years against the financial loss you may incur, if the car you have financed becomes the subject of a total loss claim due to accident, fire or theft. It could provide up to £5,000.