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Lease Purchase
Own your Camper Van, Classic Car, Motorhome or Van with a competitive and flexible Lease Purchase agreement from Just Kampers Finance.
Owning your own Camper Van, Classic Car, Motorhome or Van through a Lease Purchase agreement lets you make regular payments, similar to a Hire Purchase agreement. The key difference with a Lease Purchase Agreement is that at the end of the agreement’s fixed term (When the final balloon payment has been paid), the vehicle belongs to you.
A Lease Purchase agreement lasts between two and five years, but it is also possible to fully or partially settle the outstanding balance at any point during the term. A Lease Purchase agreement is available to private individuals and to businesses too.
To find out more about how Lease Purchase can help you own the vehicle you want, please call us on 0800 915 6610 or Contact us today for a no obligation quotation.
CALCULATE YOUR MONTHLY REPAYMENT
Use our bespoke finance calculator to see how we could help you buy the vehicle you really want.
At the end of the agreement
At the end of a Lease Purchase agreement you are required to pay the balloon or final payment either in cash or via a second finance agreement. With a Lease Purchase there is no option to return the vehicle.
Not sure if this is the right choice?
The more a vehicle holds its value, the more affordable a Lease Purchase agreement becomes. This makes Lease Purchase very popular with owners of classic or modern Camper Vans and Classic Cars. Contact us today on 0800 915 6610 and ask us for a quotation.
Key Information
- With a Lease Purchase product you pay a deposit and then make monthly payments for the length of the agreement.
- The balloon payment is normally based on what the car is conservatively expected to be worth at the end of the agreement’s term, taking into account the car’s mileage, its age and future value.
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Lease Purchase Finance Examples:*
*These examples have been kept anonymous to maintain the privacy of our clients
VOLKSWAGEN T5 CARAVELLE | |
|---|---|
| Year | 2015 |
| Value | £29,500 |
| OUR FINANCE EXAMPLE | |
| Deposit | £2,950 |
| Total amount of credit | £26,550 |
| Total charge for credit | £6,168 |
| 48 monthly payments of | £405 |
| Final balloon payment | £13,275 |
| Total amount payable | £32,817 |
| Fixed rate of interest per annum | 7.48% |
| Duration of agreement | 49 months |
| Representative APR | 7.9% |
VOLKSWAGEN T6 California | |
|---|---|
| Year | NEW |
| Value | £55,000 |
| OUR FINANCE EXAMPLE | |
| Deposit | £5,500 |
| Total amount of credit | £49,500 |
| Total charge for credit | £12,345 |
| 48 monthly payments of | £740 |
| Final balloon payment | £24,750 |
| Total amount payable | £67,345 |
| Fixed rate of interest per annum | 7.48% |
| Duration of agreement | 49 months |
| Representative APR | 7.9% |
Lease Purchase Finance Calculator
See the monthly repayments for your desired vehicle
Finance agreement types
More Finance Products
CREDIT LINE FINANCE
We can offer our customers a pre-approved credit line. This allows you to move quickly and buy your chosen vehicle immediately you find it.
HIRE PURCHASE
Owning a Camper Van, Classic Car, Motorhome or Van has never been more affordable, thanks to our range of Hire Purchase options.
Equity Release
Release the cash value of your vehicle with our Equity Release product. Equity Release is also known as vehicle ‘Sale and Hire Purchase’.
Refinance
Even where existing finance agreements are in place with a lender, we can design a Refinance package to meet your needs.
BESPOKE FINANCE
Finance personally designed to suit you and your chosen vehicle
EXPERT KNOWLEDGE
We specialise in Camper Vans, Motorhomes and Classic Cars
PERSONAL SERVICE
Email or Call us. We are happy to help
COMPETITIVE RATES
As a lender we look to help you achieve low monthly repayments
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LEASE PURCHASE FAQs
HOW DOES CAR FINANCE DIFFER FROM LEASING?
When you lease a car, you make monthly payments but the vehicle is returned to the finance provider at the end of the lease. With our finance options, you own the vehicle at the end of the agreement.
CAN I ARRANGE FINANCE FOR MORE THAN ONE CAR?
Yes – we have financed multiple car purchases for many clients. We look to build long-standing relationships with our clients and we’ll be happy to assess your requirements.
HOW MUCH DEPOSIT WILL I NEED?
Usually 10-20% of the cost of the vehicle. The exact sum will depend on your financial situation and whether you are buying a new or used car. However, there are a few agreements that do not require any deposit, whereas others may ask for up to 30 percent to qualify for a low-interest rate. Of course, the more money you can put down as a deposit the less you’ll have to borrow and therefore the lower your monthly repayments will be..
CAN I SELL THE CAR?
Once you’ve paid off the outstanding sum it’s yours and you can do whatever you like with it. However, while you’re still paying off the finance you aren’t legally entitled to sell the car.
WHAT HAPPENS AT THE END OF THE AGREEMENT TERM?
You have several options. You can pay off the balance and own the car outright, you can refinance the balloon sum for an additional term or you can sell the car to pay the balloon sum and keep the remaining equity yourself. It’s up to you.
WHAT INTEREST RATE WILL I BE CHARGED?
This will depend on the value of the car you are interested in buying, the type of finance you choose and your personal circumstances. If you’d like a personal quote, get in touch. We’d be happy to oblige.
CAN I SETTLE THE AGREEMENT EARLY?
Yes, but charges will usually apply – these are explained in the terms and conditions of your agreement. Please call us for further information.
Expert, independent and secure
Just Kampers Finance is happy to lend anything from £10,000 upwards. We pride ourselves on our personal service which means that we don’t just punch numbers into a computer and wait for an answer – we talk to you, we use our expert knowledge to assess you and your chosen vehicle, and we arrange a tailored finance package to suit your needs.
As a result, we are a popular choice for Camper Van, Classic Car and Motorhome owners.
The team at Just Kampers Finance, in partnership with JBR Capital who in turn are financially backed by Cabot Square Capital, has significant experience and enthusiasm for the Camper Van, Classic Car and Motorhome world. JBR Capital themselves are full members of the Finance & Leasing Association and abide by its FLA Lending Code on trading fairly and responsibly. We are authorised and regulated by the Financial Conduct Authority.
