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Putting You in Control

Finance
Explained

Whether buying new or used, for personal or business use, Stratstone can offer a range of finance options designed to give you complete financial control. We are SAF Approved and regulated by the Financial Conduct Authority.

✓ SAF Approved ✓ FCA Regulated ✓ Instant Decisions

Finance Solutions

Choose Your Finance Option

Every customer is different. We'll help you find the finance option that perfectly suits your circumstances.

Most Popular 📋

Personal Contract Purchase (PCP)

Lower monthly payments with the flexibility to buy, hand back or part-exchange at the end of the agreement.

Lower monthly payments

Flexible end options

Equity to put towards next car

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🏦

Hire Purchase (HP)

Fixed monthly payments that pay off the full cost of the car. At the end of the term, you own the vehicle outright.

Straightforward structure

Full ownership at end

No mileage restrictions

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🔄

Personal Contract Hire (PCH)

Lease a car for a set period with fixed monthly rentals. Simply hand it back at the end — ideal if you like driving a new car every few years.

Low fixed monthly costs

Always drive a new car

Road tax often included

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🏢

Business Contract Hire

The tax-efficient way for businesses to run cars. Fixed monthly rentals with service and maintenance options available.

VAT reclaimable for businesses

Off-balance-sheet solution

Maintenance packages available

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Hire Purchase with Balloon

All the benefits of HP with lower monthly payments, achieved by deferring a larger final payment to the end of the agreement.

Lower monthly payments

Flexible balloon amount

Full ownership option

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⚖️

Lease Purchase

Similar to HP but with a larger final payment, keeping monthly costs lower. Ownership transfers at the end of the full agreement.

Lower monthly payments

Guaranteed ownership

No mileage restrictions

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Finance Calculator

Estimate Your
Monthly Payments

Use our indicative calculator to see what your monthly PCP payments might look like. Final rates are subject to status and full credit application.

Estimated Monthly Payment

£—

Representative APR 6.9% based on 36-month PCP. Subject to credit status.

Finance Options

Who Regulates Us?

Lithia Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). FCA Register No: 312666. ADR is provided by the Financial Ombudsman Service.

Complaints: 03333 239 255

Additional Protection

Protect Your Investment

Beyond finance, we offer a range of affordable products to protect you and your vehicle.

🛡️

Gtechniq Paint Protection

Professional-grade ceramic coating that protects your paintwork and keeps your car looking showroom-fresh.

🌧️

GardX Protection

Interior and exterior protection system guarding against everyday wear, stains, and UV damage.

🔧

Tyre & Wheel Cover

Covers repair or replacement costs arising from accidental tyre or wheel damage on UK roads.

✨

Minor Damage Repair

Protection against cosmetic damage including minor dents, scratches and scuffs to bodywork.

Ready to Apply?

Get Your Finance
Decision Today

Speak with one of our SAF-approved finance specialists for a tailored, no-obligation quote.

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