Tracer Finance Services


We offer three options to finance your car, motorcycle, van or light commercial vehicle. Please call us so we can help determine the best solution for your circumstances.


Hire Purchase Lease Purchase Personal Contract Purchase
You are effectively hiring the vehicle and only own it when all payments, including the option to purchase fee (and Lease Purchase balloon), have been made.

You are effectively hiring the vehicle and at the end of the term you have three options:

  • Part exchange it – use any value left in your vehicle to part exchange it for a new one.
  • Buy it – pay off the lump sum (Guaranteed Minimum Future Value plus the Option to Purchase Fee (OTP) in one lump sum and become the legal owner.
  • Hand it back – simply hand back the vehicle and the keys, pay any charges incurred and walk away.
Loan amounts £3,000 to £150,000. Loan amounts £3,000 to £120,000. An initial deposit may be required.

Hire Purchase Lease Purchase Personal Contract Purchase
Available on vehicles up to 15 years old and with a start mileage up to 99,000. Available on vehicles up to 5 years old, for a 4-year term and with a start mileage up to 99,000.
You can set your own payment period - anything from 24-60 months however that may be determined by the age of vehicle. You can set your own payment period - anything from 24-48 months however that may be determined by the age of vehicle.
Fixed interest rates and monthly payments over a set number of months. Fixed monthly payments over a set number of months. Interest rates are fixed for the entire term.
We can refinance balloon payments. Balloon payment or lump sum is deferred to the end of the agreement, with reference to the age of the car and the forecast mileage.