Finance

Looking for car finance in Northern Ireland to drive away the same day? Funding your new car has never been easier than financing at SERE Motors.

We’ll help you finance your next purchase and get you in the car you really want. With clear agreements and competitive finance packages available to suit your needs, we’re confident we can help you get something special on your driveway.

We understand that financing a car can be a daunting experience, and especially if you’re new to it. We also understand that there are many ways to pay for a car, and that financing with us is but one of them. We set ourselves apart by offering simple, non-judgemental advice on all aspects of car finance and no deposit car finance. We’re here to help you understand your options, not confuse you or coerce you into making a purchase.

You can drive a new car home and park it in your drive in return for an initial deposit and a series of monthly payments. You choose the initial deposit amount and the finance duration that best suits you (for example, 12 months, 24-months, 36-months, 48-months, 60-months). This gives you complete control over your monthly payments, helping you afford car finance NI on any budget.

SERE Motors is Northern Ireland’s premier car supermarket. We have access to all the latest vehicle models with a particular specialism for KGM and SEAT vehicles. In addition to new and pre-reg vehicles, we also have a stunning range of low-finance used cars and pay monthly cars in NI. Visit our showrooms in Belfast & Lisburn today!

There’s a rule of thumb in the motoring trade that if the sticker price is right, low monthly payments are a doubly good deal. We work hard to make our finance packages the best deal possible for you with a fantastic range of low APR finance packages available over 4-years on select models. Many of our offers are EXCLUSIVE to SERE Motors so you won't find them anywhere else! View our latest offers here. 

We offer you the choice of a Hire Purchase or Personal Contract Plan finance agreement. Both agreements can be created for car finance deals with no deposit. Which is best for you depends on your individual circumstances. We’ll explain the main differences below to shed clarity on the matter:

PCP agreements are a popular form of vehicle finance, offering flexibility and affordability for those looking to purchase a new car. With PCP, you make fixed monthly payments covering depreciation and interest over a set term. At the end, you have options: return the car, pay the predetermined Guaranteed Future Value (GFV) to keep it, or refinance the remaining amount. The GFV is based on factors like depreciation and mileage limits.

HP agreements involve paying off a total loan amount, after which you own the vehicle outright. Throughout the loan term, the financier retains ownership, but once you've repaid the loan in full, ownership transfers to you. Monthly payments tend to be higher with HP agreements as you're repaying the entire car amount, unlike Personal Contract Purchase (PCP) where you repay only a portion.

PCH, often referred to as leasing, is a straightforward and hassle-free way to drive a new car without the burden of ownership. With PCH, you agree to a fixed-term rental period, making fixed monthly payments to use the car. At the end of the contract term, you simply return the car to the leasing company, subject to any excess mileage or damage charges.

Don’t worry we can still get you into your new car! Once we have your FREE valuation complete we can look at any outstanding finance you have.

Your finance provider will present you with a settlement figure. This will be the amount that you will need to pay on your existing finance agreement. We can then offset your vehicle valuation against this amount. If the vehicle is valued at more than your settlement figure you can use this as deposit for your new car.

SERE Motors wants you to enjoy many miles of safe and happy motoring with the reassurance that we are here for you should the unexpected happen. With an SERE Motors Warranty we are committed to taking great care of you and your car, that's why with an SERE Motors Warranty we will cover almost all mechanical and electrical parts (including labour to fit them.)

Whilst you have a high level of warranty cover, we want to make your aware that there are some items that the SERE Motors warranty does not cover. These are outlined in the the Customer Care Handbook attached. 

For full terms and conditions, please see the attached document or contact our Warranty Advisor on 028 9020 5100.