Finance
Intro
For many years Seward have been at the forefront of the Motor Finance world, offering a reliable and comprehensive service to make the purchase of your car easier. We can offer tailor made funding solutions to meet your individual demands and needs.
All of our Finance and Insurance Managers are trained to FLA (Finance and Leasing Authority) standards and Seward as a group hold SAF Approved Status.
All of our Finance and Insurance Managers are trained to FLA (Finance and Leasing Authority) standards and Seward as a group hold SAF Approved Status.
"In 2007, the FLA launched a competence test as part of our Specialist Automotive Finance (SAF) campaign to raise consumer awareness of finance sold in motor dealerships. The competence test identifies the training needs of individual staff and supports compliance with consumer protection regulation. Staff certification offers the reassurance consumers need to have confidence in the information and advice they receive on motor finance in dealer showrooms." - FLA Website Jan 2010
Buying a car is the second biggest purchase most people make. So choosing the right finance is as important as getting the right make and model. That’s why the FLA have launched a new online resource www.financingyourcar.org.uk, that is dedicated to helping consumers understand the number of different finance and insurance options available to them. It’s not intended to be a comprehensive guide to buying a car - there are plenty of sites that do that already - but it does provide an impartial, informative and easy to use source of advice and information.
Valueguard – Think... More than half a million vehicles are written off as a result of accident, fire or theft every year! If your new vehicle was written-off, would you be happy to replace it with a used vehicle?
What would your expectations be in the case of a write-off of your new vehicle. If your insurance payout was less than you expect, what would you be able to afford to drive next? If you are a business user and have chosen leasing to finance your vehicle, even though you don't own it, you are still responsible for the cost of the vehicle if it is written-off or stolen. And, because lease payments are significantly lower, the gap between your insurance payout and remaining finance commitment could be huge.
What would your expectations be in the case of a write-off of your new vehicle. If your insurance payout was less than you expect, what would you be able to afford to drive next? If you are a business user and have chosen leasing to finance your vehicle, even though you don't own it, you are still responsible for the cost of the vehicle if it is written-off or stolen. And, because lease payments are significantly lower, the gap between your insurance payout and remaining finance commitment could be huge.
Supaguard – is the UK's market leader in professionally applied quality car care products and is approved by most leading car manufacturers. Our comprehensive range offers world class protection and value to both new and used car customers through a massive network of dealers across the country.
We believe that it's the quality of our products and the long lasting protection they give that keeps over two million happy customers asking for Supagard every time they change their car.
• Paint protection
• Fabric Protection
• Carpet Protection
• Vinyl Protection
• Leather Care
• Key Recovery
• Security Window Marking
We believe that it's the quality of our products and the long lasting protection they give that keeps over two million happy customers asking for Supagard every time they change their car.
• Paint protection
• Fabric Protection
• Carpet Protection
• Vinyl Protection
• Leather Care
• Key Recovery
• Security Window Marking
Network Q Extended Warranty – Comprehensive warranty
Every vehicle that carries the Network Q badge comes complete with a minimum of 12 month / 20,000 mile worry-free warranty, or the balance of manufacturer's warranty, whichever is longer – providing you with that additional peace of mind that only Network Q offers.
Your car is comprehensively covered for mechanical and electrical parts plus labour during this period. Provided by your retailer and backed by Vauxhall direct - not a third party - you can look forward to miles and miles of carefree motoring. You can increase your peace of mind by extending you cover for 12 months at the point of sale.
Your car is comprehensively covered for mechanical and electrical parts plus labour during this period. Provided by your retailer and backed by Vauxhall direct - not a third party - you can look forward to miles and miles of carefree motoring. You can increase your peace of mind by extending you cover for 12 months at the point of sale.
Here's a selection of the most commonly asked questions we get asked by people arranging finance for their car. If your question isn't answered here, please contact us, and we’ll try to help.
1) Would it not be easier to arrange finance through a direct lender, such as an internet bank or my building society?
No. Seward can act as a simple one-stop shop, offering a quick decision as well as immediate confirmation of the interest rate and the monthly payment you will pay.
To confirm that you qualify for finance, Seward will only ask 4 simple questions:
• Where you live.
• Who your employer is.
• Your bank details.
• How long you have been with your bank.
These questions will ensure the process is as quick and simple as possible. Most direct lenders will ask many more, often intrusive questions, lengthening and complicating the process. BACK TO TOP
No. Seward can act as a simple one-stop shop, offering a quick decision as well as immediate confirmation of the interest rate and the monthly payment you will pay.
To confirm that you qualify for finance, Seward will only ask 4 simple questions:
• Where you live.
• Who your employer is.
• Your bank details.
• How long you have been with your bank.
These questions will ensure the process is as quick and simple as possible. Most direct lenders will ask many more, often intrusive questions, lengthening and complicating the process. BACK TO TOP
2) Are there any advantages of a Hire Purchase agreement over a Personal Loan?
Yes. there can be many. It is essential that you check the following details as the personal loan you are considering may be a very different product:
• A Personal Loan will show on a credit search, which may impact on your credit limit whereas a Hire Purchase agreement is finance against the car, so leaving you greater future borrowing opportunity.
• If you take out a regulated conditional sale agreement (hire purchase), this is enforced by the Consumer Credit Act, offering you enhanced protection.
• Early settlement of a personal loan may attract an interest penalty whereas a Hire Purchase agreement may involve a rebate of interest.
• Seward can act as a simple one-stop shop, offering a quick decision as well as immediate confirmation of the interest rate and the monthly payment you will pay.
To confirm that you qualify for finance, Seward will only ask 4 simple questions:
• Where you live
• Who your employer is
• Your bank details
• How long you have been with your bank
These questions will ensure the process is as quick and simple as possible. Most direct lenders will ask many more, often intrusive questions, lengthening and complicating the process.BACK TO TOP
Yes. there can be many. It is essential that you check the following details as the personal loan you are considering may be a very different product:
• A Personal Loan will show on a credit search, which may impact on your credit limit whereas a Hire Purchase agreement is finance against the car, so leaving you greater future borrowing opportunity.
• If you take out a regulated conditional sale agreement (hire purchase), this is enforced by the Consumer Credit Act, offering you enhanced protection.
• Early settlement of a personal loan may attract an interest penalty whereas a Hire Purchase agreement may involve a rebate of interest.
• Seward can act as a simple one-stop shop, offering a quick decision as well as immediate confirmation of the interest rate and the monthly payment you will pay.
To confirm that you qualify for finance, Seward will only ask 4 simple questions:
• Where you live
• Who your employer is
• Your bank details
• How long you have been with your bank
These questions will ensure the process is as quick and simple as possible. Most direct lenders will ask many more, often intrusive questions, lengthening and complicating the process.BACK TO TOP
3) Can’t I get a better deal for cash?
No. We can often give you a better deal on your part exchange or the car you wish to buy, by virtue of the opportunity we have to earn finance commission when we arrange finance for your car. Let us know up front if you will be financing your car through a personal loan, and give us the chance to offer you a better deal.BACK TO TOP
No. We can often give you a better deal on your part exchange or the car you wish to buy, by virtue of the opportunity we have to earn finance commission when we arrange finance for your car. Let us know up front if you will be financing your car through a personal loan, and give us the chance to offer you a better deal.BACK TO TOP
4) Can you arrange finance for me if I have had credit problems in the past?
Yes. We use a panel of specialist lenders, acting for a number of leading finance houses in this sector, ensuring we can offer you a competitive quote. The application process is quick and easy, with just a few simple questions to answer.BACK TO TOP
Yes. We use a panel of specialist lenders, acting for a number of leading finance houses in this sector, ensuring we can offer you a competitive quote. The application process is quick and easy, with just a few simple questions to answer.BACK TO TOP
Branksome
400 Poole Road
Poole
Dorset
BH121DD
Tel:
08454 370820
Fax:
01202 752934
Christchurch
20 Bailey Drive
Christchurch
Dorset
BH232BN
Tel:
08454 370821
Fax:
01202 477900
Blandford
Blandford Heights
Blandford Forum
Dorset
DT117TE
Tel:
08454 370822
Fax:
01258 459055