LJ Prestige Ltd

Car Finance Options

Flexible Finance Solutions for Personal & Business Buyers

How to Fund Your Vehicle

Simple, Flexible Finance Options That Work for You

Choosing your next vehicle shouldn’t be complicated and financing it shouldn’t be either. At LJ Prestige Ltd, we work with a panel of trusted UK lenders to offer simple, flexible finance options tailored to your needs. Whether you’re buying your next personal car, upgrading a business fleet, or managing company vehicles, we’re here to make the process transparent, stress‑free and supportive from start to finish.

We’re authorised and regulated by the UK Financial Conduct Authority as a credit broker (not a lender) and can introduce you to a range of suitable finance products depending on your circumstances

Ready to Explore Your Vehicle Finance Options?

Apply for Personal Finance
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Personal Contract Purchase (PCP)

  • A lower initial deposit and affordable monthly payments
  • Flexibility to change, return or buy the vehicle at the end of the agreement
  • An option to upgrade regularly without long-term ownership
  • Best for: Drivers who like new cars every few years and want predictable costs.

Deposit

As little as Zero Deposit

Monthly Payments

Spread across 24 to 60 months

Optional Final Payment

Three choices at the end of your agreement

Hire Purchase (HP)

Ideal if you want:
  • To own the vehicle outright at the end of your agreement
  • Fixed monthly payments that are easy to budget for
  • A larger deposit or part-exchange to reduce monthly costs
  • Best for: Those who plan to keep the vehicle long-term and build equity over time.

Deposit

As little as Zero Deposit

Monthly Payments

Spread across 24 to 60 months

Contract Hire (CH)

CH may be right for you if:

  • Fixed monthly rentals for an agreed period and mileage
  • Operational simplicity without ownership responsibilities
  • Tax-efficient solutions for VAT-registered businesses
  • Best for: Businesses looking for predictable running costs and no ownership obligations.

Advance Payment

As little as Zero Deposit

Rentals

Spread across 24 to 60 months Option to include maintenance

Vehicle returned to Contract Hire company

Lease Purchase (LP)

Ideal if you want:

  • To own the vehicle outright at the end of your agreement
  • Fixed monthly payments that are easy to budget for
  • A larger deposit or part-exchange to reduce monthly costs
  • Best for: Those who plan to keep the vehicle long-term and build equity over time.

Deposit

As little as Zero Deposit

Monthly Repayments

Spread across 24 to 60 months

Final “Balloon” Payment

Ready to Explore Your Vehicle Finance Options?

Speak to our team today for clear, tailored vehicle finance solutions with no broker fees and expert support from start to finish.
Personal Finance
Business Finance