FINANCE
 
C&M Motors, Omagh have a dedicated team of finance experts waiting to help with your enquiry. We have relationships with high street lenders and specialist motoring finance houses too. That is why we have helped hundreds of customers secure the best finance deal for their budget. We aim to be as helpful as possible when it comes to finance.


Considering your finance options

So, you are thinking about financing your next car and there may be a number of options available to you. Arranging your finance through the dealership is often considered the besy way to fund your car purchase, offering advantages to borrowing from a bank or other loan provider.



Your finance agreement - see the benefits

Financing your car purchase via a dealer allows you to customise your agreement to suit your requirements and gives you a certain degree of flexibility over other forms of credit.
The interest rate is fixed, meaning that that you know exactly what your monthly payments will be every month. 
By taking out dealer finance you are more often likely to be approved for a better interest rate. 


HP Car Finance
Hire Purchase

Using HP Finance is one of the most popular and has been the most traditional way to finance your car purchase over the years. HP car finance gives you the flexibility to settle your agreement and any time and you will receive a rebate of interest.
HP car finance gives you numerous benefits over normal loans, it's fast and easy to arrange with decision often turned around in minutes. 
As the dealership is paid directly by the finance company, this ensures that you take delivery of your vehicle quicker.


PCP Car Finance 

Personal Contract Purchase

PCP is an increasingly popular way to fund your car purchase. It will allow you lower monthly payments. This is because your chosen car's future value is calculated and treated as the final payment.
PCP car finance has some great benefits, including lower monthly payments and the ability to settle your finance agreement at any time.


3 options at the end of the PCP agreement
1. Pay the final payment and keep the car. 
2. If your car is not worth the final payment value, then you can simply hand it back to the finance company with nothing more to pay. (This would be subject to the vehicle's milage and condition)
3. Your third and final option, which is the most popular of the three, is to part exchange your car, which settles the agreement. Any excess monies over the final payment can be used as part of your next deposit. You can choose to do this at any time during your finance agreement, offering you unparalleled flexibility.







FINANCE COMPANIES WE WORK WITH:




















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Vehicle Finance Status Disclosure for C&M Motors Ltd


Frequently Asked Questions:

C&M Motors Limited is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486). Permitted activies include advising on and arranging general insurance contracts and acting as a credit broker not a lender.

We can introduce you to a limited number of finance providers. We do not charge fees for our Consumer Credit services. We may receive a payment(s) or other benefits from finance providers should you decide to enter into an agreement with them, typically either a fixed fee or a fixed percentage of the amount you borrow. The payment received does not impact the finance rate offered.

All finance applications are subject to status, terms and conditions apply, UK residents only, 18's or over. Guarantees may be required.

Can we give you independent financial advice?
We are not independent financial advisers and so are unable to provide you with independdent financial advice.

Do you have t
o pay our service?
No, you make no payment to us.
But a funder or broker we work with may pay us for introducing you to them. Different funder/brokers may pay us different amounts. We will tell you how much if you ask. 

How will we use your information?
We will use your information to obtain quotes from funders and brokers to process finance applications through them and we and/or they may also conduct a search of your record held with one or more credit reference agencies. Credit checks may as a result appear on your credit file lodged by organisations with whom you have not dealt with directly. The personal information collected will also be shared with fraud prevention agencides who will use it to prevent fraud and money laundering and to verify your identity. If fraud is detected you could be refused certain services, finance or employment. 

What can you do if you wish to complain about our services or contact us?
If you wish to make a complaint, please contact us:
*by writing to us at Complaints, C&M MOTORS LTD 64 GORTIN ROAD, OMAGH, CO. TYRONE, BT797HT
*by emailing: sales@candmmotors.com ; or
*by telephoning: 02882252706
If, after making a compliant to us you are still unhappy and feel the matter has not been resolved to your satisfication, please contact the Financial Ombudsman Service "FOS" - www.financial-ombudsman.org.uk Please noted that FOS may not be able to deal with compliants from business customers. 
Further details about our complaints procedure and FOS are available on request and can be found at our website at
www.candmmotors.com 
If you require further information, please contact us by telephoning the above number or emailing us at sales@candmmotors.com addressing your correspondence to C&M MOTORS 64 GORTIN ROAD, OMAGH, CO. TYRONE, BT797HT

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