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USED FINANCE

If you're buying a Jaguar Approved Used, then at Sinclair Jaguar Cardiff, Newport and Swansea, we can offer a range of flexible financing that is simple and straightforward and designed around you. This section will help guide you through two of our popular Approved Used finance options – Personal Contract Purchase and Hire Purchase.

PERSONAL CONTRACT PURCHASE

Based on your chosen term (between 13 and 49 months) and mileage*, Jaguar Financial Services will determine the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your agreement and provide you with an Optional Final Payment amount.

Any deposit you make is deducted from the vehicle price and you then make regular payments based on the remaining balance plus the agreement interest. At the end of the agreement, just choose from one of the following options:

1. Renew – part-exchange the vehicle subject to settlement of your existing finance agreement; new finance agreements are subject to status.

2. Retain – pay the optional final payment to keep your Land Rover.

3. Return – return the vehicle and do not pay the Optional Final Payment. Assuming the vehicle hasn’t exceeded the maximum agreed mileage and is in good condition (fair wear and tear accepted), you will have nothing further to pay.

 

WHY IS THIS PLAN FOR ME?

Take advantage of Jaguar’s high residual values to keep monthly payments down by deferring some of the credit owed until the end of the agreement. There are a number of final payment options too.

  • I would like to keep my monthly payments as low as possible.
  • I would like to choose how much I pay upfront (subject to a minimum).
  • I want flexibility at the end of my plan.
  • I want to help protect against an unexpected fall in used vehicle prices.
  • I like to drive the newest models.

 

CONTACT A FINANCE SPECIALIST

HIRE PURCHASE

Decide the level of deposit you want to pay and select an agreement term between 12 and up to 60 months. Your deposit is deducted from the price of your car, then you make regular payments based on the remaining balance plus the agreement interest.

Until the final payment is made, the vehicle is owned by Jaguar Financial Services. The title will then be transferred to you.

 

WHY IS THIS PLAN FOR ME?

  • I want to own my Jaguar at the end of my finance agreement.
  • I want to know exactly how much I have to pay each month.
  • I have a deposit to put down and want to choose how much I have to pay.

 

CONTACT A FINANCE SPECIALIST

About Us

Sinclair Group is one of the UKs leading automotive retail groups, delivering exceptional vehicle sales, finance, and aftersales service across Wales and the West of England.

© 2026 Sinclair. All Rights Reserved. Sinclair Group is the brand name for all of our limited companies. Registered in England and Wales. Registered Address: Sinclair Group | Old Field Road | Bocam Park | Pencoed | CF35 5LJ. Registered number: 1192572.

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