Used Car Finance Dumfries - Finance As Individual As You

We offer a full range of competitive finance solutions on all of our new and used vehicles.

Based in Dumfries, we have a choice of car financing options available including Personal Contract Purchase (PCP) Hire Purchase (HP) and Business Contract Hire.

We are an appointed representative of ITC Compliance Limited, who are authorised and regulated by the Financial Conduct Authority.

"Our friendly team are here to guide you, taking the hassle out of financing your next car and ensuring that everything is fully explained without using unnecessary jargon."

Peter Irving, Sales Manager

See our current used car selection here

Personal Contract Purchase (PCP)

Why choose Personal Contract Purchase?

A deposit is paid followed by a number of fixed monthly payments based on your annual mileage,

leaving a sum at the end of the term.

Your options at the end of the agreement are easy;

1, Renew: If your car is worth more than the final payment, you can trade it in and use the excess towards a

deposit on your next car.

2, Return: Hand the car back with no penalty

3, Retain: Pay the remaining sum and the car is yours

Play the video to find out more or watch on YouTube here

Hire Purchase (HP)

Using Hire Purchase (HP) to finance your new car is a simple financing option.

Once you’ve paid a deposit followed by a number of fixed, monthly payments to cover the remainder,

over one to five years, the car is yours..

Play the video or watch on YouTube here

Business Contract Hire (BCH)

Business Contract Hire (BCH) is a form of business car leasing that is designed to operate in a way where a vehicle lease agreement is tied to a sole trader, partnerships and limited companies as a financial asset, rather than linked to an individual. Grierson & Graham offer Competitive Contract Hire that can include optional maintenance packages to cover routine servicing and replacement tyres.

Finance is subject to status. Terms and conditions apply. You must be over 18 and a UK resident. The lender will conduct an affordability assessment and carry out a credit check.

Please ensure you can afford the repayments before entering into a credit agreement.

Find out more here

Protect your investment

Our knowledgeable team can also provide you with advice on a variety of additional products, including Autoglym Lifeshine, Service Plans and Retail Price Protection (Gap Insurance), which provides financial security in the event that your car is declared a total loss write-off*

*Ask for details.

Want to know more?

Download a copy of our guides on Honda Flexible Finance Products, and Honda Contract Hire

Business Offers

Call in for a personal consultation and to find out more about our range of offers for small businesses.