C and 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.
Advantages of dealer finance
Considering your finance options
So you are looking to finance your next car, and there may be a number of options available to you. Arranging your finance through the dealership is often considered the best 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 you know exactly what your monthly payments will be from month to month.
By taking out dealer finance you are more often likely to be approved for a better rate of interest – why not watch and see our free finance checker video and try out our free finance check once you have chosen your car This will allow you to compare a range of finance products available from this dealership that best suits your profile.
HP Car Finance
Traditional Way To Fund a Vehicle
Using HP Car 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 at any time and you will receive a rebate of interest.
HP Car Finance gives you numerous benefits over normal loans and is fast and easy to arrange with the 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 much more quickly, also the other benefit is that the vehicle acts as security which means it is not secured to your home.
PCP Car Finance
Lower Monthly Payments
PCP is an increasingly popular way in which to fund your next car purchase. It will allow you lower monthly payments over a traditional loan 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 repayments and the ability to settle your finance agreement at any time.
Three Options Are Available At The End of The Agreement
1. Your first option is to pay the final payment and keep the car .
2. Your second option is 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 mileage 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 and the above 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.
Vehicle Finance Status Disclosure for C & M MOTORS LTD
Frequently asked questions
Who are we?
C & M MOTORS LTD, a dealership acting as a credit broker in arranging finance for vehicle transactions.
Are we authorised to arrange finance for you?
Yes, we are authorised and regulated for credit-broking activities by the Financial Conduct Authority (“FCA”). We are not a lender. Our FCA Firm Reference Number is 668183. For more information, please visit the FCA website at:
www.register.fca.org.uk. Please note that business customers may not be protected under the Consumer Credit Act 1974 or FCA rules.
What can we do to help finance your vehicle?
We can introduce you (whether direct or through a specialist credit broker) to a number of finance companies (“funders”) who may be able to finance your transaction, There are other funders to which we cannot introduce you which may also be able to offer you finance.
We will provide you with information and explanations about the finance products that may be available to you and, where we recommend a product to you to you, we will ensure that this is based on the information you give us about your needs and circumstances so that it is suitable for you. Finance is arranged subject to status and terms and conditions. We cannot guarantee that we will be able to secure finance for you.
Can we give you independent financial advice?
We are not independent financial advisers and so are unable to provide you with independent financial advice.
Do you have to pay for 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 funders/brokers may pay us different amounts. We will tell you how much we will be paid 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 directly. The personal information collected will also be shared with fraud prevention agencies 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: email@example.com ; or
* by telephoning: 02882252706
If, after making a complaint to us you are still unhappy and feel the matter has not been resolved to your satisfaction, please contact the Financial Ombudsman Service “FOS” -www.financial-ombudsman.org.uk. Please note that FOS may not be able to deal with complaints from business customers.
Further details about our complaints procedure and FOS are available on request and can be found on our website at
If you require further information, please contact us by telephoning the above number or emailing us at firstname.lastname@example.org addressing your correspondence to C & M MOTORS LTD 64 GORTIN, OMAGH, CO. TYRONE, BT797HT