Finance products that open more doors.
Every customer is different. Eurodrive gives dealers more ways to structure the right deal for the right vehicle, credit profile and monthly budget.
PCPLower payments. More choice.
Personal Contract Purchase
PCP can help customers access a vehicle with lower monthly payments by deferring part of the value to the end of the agreement.
- Lower monthly payments versus many traditional structures
- Options to keep, part-exchange or return
- Strong for customers focused on monthly budget
- Useful for newer and higher specification vehicles
Dealer benefit: more affordability conversations and stronger conversion.
Enhanced PCPMore competitive monthly costs.
Enhanced PCP
Enhanced PCP can support stronger affordability by using improved future values where lender criteria allows.
- Higher future values can reduce monthly payments
- Older vehicles may be considered by selected lenders
- Helps dealers compete on monthly payment
- Creates more ways to structure the same vehicle
Dealer benefit: sell vehicles competitors may struggle to fund competitively.
HPSimple ownership.
Hire Purchase
HP remains one of the clearest finance options for customers who want straightforward ownership.
- Fixed monthly payments
- No mileage restrictions
- Customer owns the vehicle once payments are complete
- Suitable for a wide range of vehicles and customer profiles
Dealer benefit: easy to explain, familiar and suitable for many buyers.
LPPrestige-friendly structure.
Lease Purchase
Lease Purchase can reduce monthly payments by leaving a final balloon, often helping with higher value vehicles.
- Fixed monthly payments
- Final balloon payment
- Popular for prestige, performance and executive vehicles
- Can suit personal and business customers
Dealer benefit: helps unlock higher value sales where monthly payment matters.
RefinanceRevenue without a new sale.
Vehicle Refinance
Refinance can allow customers to release equity from a vehicle they already own while keeping the vehicle.
- Release cash from an owned vehicle
- Support debt consolidation, home improvements or business needs
- Reconnect with previous customers
- Create finance opportunities outside stock sales
Dealer benefit: a new income stream from existing customer databases.
SettlementKeep customers moving.
Settlement Finance
Settlement support helps customers move from an existing agreement into a new structure or vehicle.
- Support customers with current finance
- Help restructure where suitable
- Assist with balloon payment conversations
- Useful when customers feel stuck in their current agreement
Dealer benefit: fewer customers lost at settlement stage.
Negative EquityA gap does not have to kill the deal.
Negative Equity Support
Negative equity happens when the finance settlement is higher than the vehicle value. The right lender and structure can help suitable cases progress.
- Specialist lender routes may be available
- Best identified early in the sales process
- Clear affordability and criteria still apply
- Supports customers looking to change vehicle
Dealer benefit: protect deals that might otherwise fall away.
Non-PrimeDeclined does not always mean done.
Non-Prime Finance
Non-prime deals often need better placement, better structure and the right lender first time.
- CCJs, defaults and missed payments may be considered
- Thin credit files and first-time buyers
- Self-employed customers
- Alternative placement when prime declines
Dealer benefit: recover deals that may otherwise be written off too early.
CommercialVans, pick-ups and business buyers.
Commercial Vehicle Finance
Eurodrive supports dealers working with sole traders, limited companies and customers buying for business use.
- Vans and pick-ups
- Light commercial vehicles
- Sole traders and limited companies
- Business-use customer support
Dealer benefit: expand beyond traditional retail car finance.
LeisureMotorhomes, campers and caravans.
Motorhome, Camper and Caravan Finance
Leisure vehicles need specialist understanding around age, value, term and seasonality.
- Motorhomes and campervans
- Touring caravans
- Specialist leisure lenders
- Longer term opportunities depending on criteria
Dealer benefit: support specialist and seasonal leisure vehicle sales.
PrestigeHigh value funding.
Prestige and Performance Finance
Higher value vehicles need a more considered approach, from lender selection through to structure and documentation.
- Luxury, executive and performance vehicles
- Lease Purchase opportunities
- Large balance support
- Bespoke underwriting conversations
Dealer benefit: better support for high-value stock and specialist customers.