Car and Van Finance
Potentially £1,000's to be saved on new and used vehicles compared to dealer finance
Competitive rates
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Car Finance
Now more than ever, it makes sense to consider funding your vehicle purchase independently instead of relying on dealer-led finance.
New legislation requires dealers to offer a single, standardised rate for all customers. This is often more expensive than sourcing funds independently.
At One Threadneedle our approach is straightforward - we work with finer margins to give you a better deal, building trust for future business.
Using our finance calculator is quick and easy—all you need is the car's registration number and mileage with no need for your personal details at this stage.
Prestige Cars
When you're thinking about buying a high-end car, it's easy to assume the cost will be high too. But the monthly payments might be more affordable than you think! With strong residual values and low interest rates, a prestige car could fit your budget more comfortably than you'd expect.
Van Finance
Now more than ever, it makes sense to consider funding your vehicle purchase independently instead of relying on dealer-led finance.
New legislation requires dealers to offer a single, standardised rate for all customers. This is often more expensive than sourcing funds independently.
For many small businesses, a reliable van is the backbone of their operations. At One Threadneedle, we understand this and offer a straightforward approach: we work with finer margins to give you a better deal, building trust for future business.
Using our finance calculator is quick and easy—all you need is the car's registration number and mileage with no need for your personal details at this stage.
EV Finance
Financing an electric car through Personal Contract Purchase (PCP) or Hire Purchase (HP) can be a smart move for business owners and company car users.
With Benefit-in-Kind (BiK) tax rates for electric vehicles (EVs) at just 2%, employees can enjoy significant tax savings compared to petrol or diesel cars.
Additionally, businesses can benefit from 100% first-year capital allowances on new EVs, making them a tax-efficient investment while also supporting sustainability goals.
Finance options
Personal Contract Purchase (PCP)
PCP is a flexible vehicle financing plan with low monthly payments, as part of the cost is deferred to the end of the contract. At the end of the agreement, you have three options:
- Return the car (avoiding depreciation risk)
- Upgrade to another vehicle
- Make a final payment to own the car outright
This option offers flexibility while keeping initial costs manageable
Hire Purchase
Want to own the car outright?
- You’ll own the car at the end of the agreed term
- Spread the cost over time with flexible payments
- Choose your deposit, monthly payments, and final lump sum
Refinance
Raising funds against a vehicle you already own which typically has come to the end of a finance agreement or the final payment/balloon is due.
Contract Hire
An off balance sheet rental facility specifically for cars and light commercial vehicles. The finance company will supply the vehicle to your specifications. They will take a residual position in the vehicle thereby reducing your monthly rental. Maintenance and servicing can be added. You hand the vehicle back at the end of the agreement with nothing more to pay (subject to excess mileage charges and fair wear and tear return conditions being met)
Other funding possibilities
At One Threadneedle, we provide a comprehensive range of asset finance solutions, delivering personalised, local service that’s tailored to your business requirements. With a deep understanding of the industries we serve, we are committed to offering the most suitable financing options for your vehicles, equipment, and specialist assets
"Took the time to understand our business, and what we may need in the future"
- Simon Brooks, Corporate Vehicle Solutions Limited