Frequent Car Buyer Program

A flexible service for the avid car enthusiast

Our forward-thinking team at Churchill Emsworth pride themselves on setting new industry standards with exciting and exclusive options to finance your automotive pride and joy.

Due to the increasingly common trend amongst auto enthusiasts owning passenger cars for reduced terms, our innovative team has established an exclusive in-house program, which allows clients to obtain the required funds for a new vehicle acquisition. Churchill Emsworths’ Exclusive Frequent Car Buyer Program, (FCB), operates by securing a maximum predetermined fund against either land estate, commercial or residential property. Our unique program offers a huge array of benefits for those that buy and own vehicles more frequently, at a much more competitive rate than a typical short-term hire or lease. Our FCB program is more accurately comparable to a secured personal loan.

With such a vast array of desirable vehicles available to car buyers of today, it’s easy to understand why auto enthusiasts with such appetites are drawn to such a flexible alternative to own, fund and change a vehicle with very minimal inconvenience.

Changing your car frequently can prove both time consuming & costly for any client who has financed a vehicle and opts to settle their agreement much earlier than the anticipated term. For numerous reasons, this is often unfavoured by lenders and retailers alike and can prove detrimental to one’s credit rating.

**our FCB program is only available to eligible individuals on a private unregulated agreement **

 

Is ‘Frequent Car Buyer’ program right for me?

  • Pros:

    • No reoccurring early settlement fees.

    • No reoccurring Admin or Arrangement fees.

    • Competitive APRs due to secured property guarantee.

    • Only a soft credit check required.

    • No requirement to re-apply for finance each time you change your vehicle, which can have an adverse effect on your credit rating.

    • Allows for much easier and secure sale transaction of your existing car to both private and business buyers, as there is no finance to settle.

    • Flexible amounts of borrowing available, determined by pre-approval.

    • Completion turnaround times are largely decreased with ongoing purchases having the potential of being concluded in less than 24 hrs.

  • Cons:

    • Charges and Guarantee’s cannot be secured to a residential property, which is your primary place of residence.

    • Legal fees may be required to complete the guarantee.

    • Minimum of 60% unencumbered loan to value required.

    • Only property and estates within the United Kingdom are eligible.