Finance

O.R.B. Cars is an appointed representative of Forward Asset Finance Ltd under FRN No 775598.

When it comes to purchasing your new car our aim at O.R.B. Cars is to ensure all our customers are fully informed of the different finance options available to them.

We have fantastic relationships with a variety of funders giving us privileged access to some of the best finance packages on the market. We pride ourselves on being able to offer very competitive finance rates and finding a bespoke solution to suit individual needs in order to help fund the purchase of your next car in the most cost effective manner.

The different types of finance agreements include:

PCP is similar to Lease Purchase in that the monthly payments are offset by a final payment but the difference with PCP is that this final payment is optional. At the beginning of the agreement the future value of the car is set by the finance company and at the end of the agreement you have the option to just hand back the keys rather than pay the final payment or part-exchanging for another car. PCP suits a customer who is looking to keep the same car for the duration of the finance agreement.

The most simple and straightforward agreement is ‘hire purchase’ where you pay fixed monthly payments in order to spread the cost of purchasing a car over a number of years. The benefits of this agreement are that deposits are flexible whilst having fixed rates and payments make budgeting a whole lot easier. Terms available from 12 – 60 months.

Lease purchase is one of the most popular type of finance agreements and is best suited to cars with higher values and for customers that like to change cars regularly. Similar to a ‘hire purchase agreement’ with the main difference being a balloon payment at the end of the agreement. This means that monthly payments are much less and whether you want to settle your agreement early or at the end of the agreement it is your choice whether you want to part-exchange the car, re-finance or just pay off the balance.

Whichever type of agreement you choose our aim at O.R.B. Cars is to provide a solution which puts you into the best possible position should you wish to change your car during the agreement or at the end of the agreement as we want to secure more business with you in the future and build long-standing relationships with all our clients.

O.R.B. Cars are a credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority. Finance is subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase.

  • FCA No: 775598
  • Registered in England & Wales: SC539633
  • Registered office: 34 Barnton Avenue, Edinburgh, Midlothian, Scotland, EH4 6JH

Not buying a car from O.R.B. Cars? We can still offer our financial services with our specialist knowledge and can offer impartial advice and help find you the best solution to funding your new car.

Perhaps you’re looking to re-finance a car you already own to free up some cash? That’s possible too.