028 9020 5100


7 - 13 Boucher Rd, Belfast, Antrim, BT12 6HR
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Lissue Industrial Estate, Moira Rd, Lisburn, Antrim, BT28 2RE
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SERE Bodytech, 97 Sloefield Drive, Carrickfergus, BT38 8BX
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Should I finance my next car?

Finance or buying outright? What’s best for you?

Buying a new car can be as daunting as it is exciting, and with so many ways to buy these days, it can be difficult to work out what is best for you. A question we often get asked is whether it is better to finance a car or to just buy it outright. Unfortunately, there is no one way to answer this, but what we always try to do with our customers is help them figure out what is the best option for them.

Cash buying a car with one lump sum has its own benefits, you don’t have to worry about the different finance options, interest rate or monthly payments, it keeps things simple. However, if you would rather maintain your savings it might be worth considering a finance option instead.

First of all, one of the main advantages of financing a car purchase is that it enables you to buy a better car than you could otherwise afford. It also means you can spread the cost over a longer period of time, so you can budget each month, making your car easier to pay for. Luckily, most finance options have a fixed interest rate for the length of the loan term, making it a more reliable option than a standard personal loan. This means you will never have to worry about your repayments going up.

What can SERE offer?

So why should you finance through your dealership rather than just taking out a personal loan? For many years, SERE have worked in partnership with some of the UK’s leading finance providers such as Blackhorse, GMAC and VWFS to provide the very best finance options on the market.

This means we can use our purchasing power for your benefit – instead of just using the amount you borrow as a factor in deciding the rate. You can use our purchasing power of £18,000,000 per year.

This isn’t your only option

You can part part-exchange your current car against the value of the car you want to purchase. This may seem like a complicated process, but we are able to carry out an independent valuation. We can then help make it a simple transaction.

Remember the down payment!

When purchasing a car on finance it is typical to pay a cash deposit or down payment. Generally, the more money you pay in your down payment, the lower your monthly payments will be.

One of the biggest advantages of financing your car with SERE is that we can offer 0% Finance over 5 years on some of our new and used cars. This is the best value payment option available in Northern Ireland and allows you a more flexible finance package. Along with the 0% interest, you can often pay no deposit, final payment, mileage charges or hidden fees. You also have the option to pay off the remaining finance at any time.

Find out more about our finance options or give us a call on 028 9020 5100.

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