Does getting a free quote affect my credit score?

Not at all. Obtaining a free quote for finance with us will not affect your credit score. Our panel of lenders only carry out a soft search to begin with that evaluates your financial circumstances. When you decide to proceed with an application after a finance quote from one of our lenders, a hard search that reviews your credit file is conducted.

can i have a car on finance and swap for a newer car?

Yes! All you need is your settlement figure (how much you currently owe) to your account manager. They will then use this to work out what finance options we have for you, helping you end your current agreement and start a new one.

do i have to buy a car from you?

No, you can choose a car from any reputable dealership, your account manager is a sourcing vehicle specialists he/she will find you the best deal on the market either from our dealer stock list or by our network of dealerships.

What are the key differences between HP, PCP & Personal Car Loan?

Comparison of Finance Options


Finance Features: Hire Purchase (HP) Personal Contract Purchase (PCP) Personal Loan
Requires initial deposit Optional Optional
Car is yours at the end of the agreement
Optional
Fixed monthly payments
Optional balloon (final) payment
Avoid excess mileage charge
Secured against an asset (e.g. a car)
Support with vehicle issues

where do vizion finance lease vehicles come from?

All our vehicles are distributed either directly through manufacturers, via franchised main dealers or through vehicle holding and preparation centres.

what do i need to hire a car with vizion finance?

The essential items you will need to bring to a Vizion Finance hand over location would be a valid UK driving license, Valid ID, and a credit or debit card. You would also need to prove you are over 25 years old.