Not Sure Which Finance Is Right?
Answer three quick questions — we'll point you straight to the right product.
business or personally?
vehicle at the end?
lowest payment or flexibility?
Still not sure? Our advisers guide you through every option — no jargon, no pressure.
Get Personal AdviceChoose Your Finance Option
Five finance structures. Each explained simply.
All available through FDS.
Contract Hire
Fixed monthly rental. Use the vehicle, then hand it back. No surprises.
Perfect if you…
- Want the lowest possible monthly payment
- Don't want to own or worry about depreciation
- Change your vehicle every 2–4 years
Finance Lease
Tax-efficient rental with more options at the end of your agreement.
Perfect if you…
- Want rental payments fully tax-deductible
- Want flexibility — extend, sell or refinance at term end
- Run a VAT-registered business
Hire Purchase
Spread the full cost and own the vehicle outright at the end.
Perfect if you…
- Want to own the vehicle at the end
- Prefer simple, fixed monthly payments
- Drive high mileage with no restrictions
Contract Purchase
Lower monthly payments than HP — with a guaranteed future value and a choice at the end.
Perfect if you…
- Want lower monthly payments than Hire Purchase
- Like the option to buy, return or upgrade at the end
- Want protection against depreciation risk
Salary Sacrifice
Employees get a brand-new vehicle from their pre-tax salary — saving on income tax and National Insurance.
Perfect if you…
- Are an employer wanting to offer a vehicle benefit
- Want to help employees access EVs tax-efficiently
- Prefer an all-inclusive, fully managed package
Personal Finance
Straightforward finance for private buyers — from Hire Purchase to personal Contract Hire, in plain English.
Perfect if you…
- Are buying privately and want to spread the cost
- Have a less-than-perfect credit history
- Want clear advice with no jargon
Finance at a Glance
Compare every option in seconds — no technical jargon.
| Finance Option | Best For | Own Vehicle? | Monthly Cost |
|---|---|---|---|
| Contract Hire | Businesses wanting fixed, predictable costs | ✗ No | Lowest |
| Finance Lease | Businesses wanting tax efficiency & end-of-term flexibility | ✗ No | Low |
| Hire Purchase | Anyone who wants to own the vehicle outright | ✓ Yes | Medium |
| Contract Purchase | Businesses wanting ownership flexibility at the end | ✓ Optional | Lower than HP |
| Salary Sacrifice | Employers offering a tax-efficient vehicle benefit | ✗ No | Lowest (pre-tax) |
Need a more detailed breakdown? Our advisers will compare these side by side for your specific situation.
Why Customers Choose FDS
We're not a finance company. We're an independent vehicle broker who finds the right finance for you — and then handles everything else too.
We're not tied to any single lender. We recommend what's right for you — not what pays us the most.
Our panel of trusted finance partners means we can source competitive rates across every product type.
Everything is explained clearly upfront. No surprises. No pressure. You decide when you're ready.
Your dedicated FDS adviser handles everything — from first conversation to vehicle delivery.
Over two decades of experience across cars, vans, commercial vehicles, prestige and fleet.
Fleet Direct Sales Ltd is authorised and regulated by the Financial Conduct Authority. FCA number: 1024865.
Ready to Find the Right Finance?
Tell us what you're looking for. We'll do the rest — quickly, clearly and without pressure.
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