Finance Options @VSS Group Ltd (Top Fleet) ?.

We can offer you various finance facilities to make purchasing your ideal vehicle as smooth as possible.
These include: Cash, Lease Purchase, Lease Hire, Hire Purchase & Contract Hire
.These illustrations are a guide please read your agreement documentation as finance will differ between companies. We can also tailor deposits and monthly payments to suit your cash flow.

Lease Purchase:
Ideal for VAT registered businesses that want to handle the day to day running costs of their vehicles.
The lessee can own 95% of the vehicle at the end of the term, subject to agreement. If you wish, you can continue to lease the vehicle with a single yearly payment, until you decide to sell the vehicle. The lessee can potentially profit on this sale. This is how it works... the vehicle is valued at the end of the term and the customer only pays the finance company 5% of that amount, for example if the vehicle is valued at £ 5000 then the lessee shall only pay £ 250 to the finance company plus administration fee and acquire full ownership of the vehicle. Part of the capital cost of the vehicle payment can be deferred into a 'balloon' or residual payment at the end of the agreement (used to lower the monthly payments).

  • Small deposit VAT on rentals, not as deposit
  • 12- 60 month contracts
  • No mileage restrictions
  • Low initial rental
  • Ownership at the end of the period
  • Full tax allowances apply
Hire Purchase
Used by companies who require definite ownership of the vehicle. The customer owns the vehicle at the start of the agreement. Full VAT and 5-10% cash deposit
  • Full VAT as Deposit
  • 12- 60 month contracts
  • No mileage restrictions
  • Low initial rental
  • Ownership at the start of the period
  • Tax allowances apply
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Contact Hire, Operating Lease
A popular choice for VAT registered businesses requiring minimum outlay and providing optimum user friendliness. The vehicle is hired for an agreed period of time and a fixed rental is paid based on the anticipated mileage (the higher the mileage, the higher the rental). Contracts can be hire only or include full maintenance to cover routine servicing and tyre replacement etc. At the end of the contract the vehicle is simply returned to the finance company. Up to 100% of rentals can be offset against taxable profits and, depending on the vehicle type and nature of its use, up to 100% of the VAT on the rentals can be reclaimed.

  • Low initial rental
  • 12- 60 month contracts
  • Mileage restrictions Apply
  • Maintained or hire only
  • Non ownership of the vehicle
  • Tax allowances apply

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