Van Financial Services
Adaptable and personalised solutions for you
Finance Options
We provide a comprehensive range of financial options to help you get on the road. Our goal is to ensure you have access to mobility that suits your budget, lifestyle and needs.
Conditional Sale
If you would like to purchase and eventually own your new Fiat Professional van, this is a simple way to do so. Conditional Sale is essentially a loan with fixed monthly repayments over a chosen period.
How it works:
- Choose the van you wish to purchase
- Decide your agreement term (up to 60 months).
- Pay the deposit. Deposit is deducted from the price of your vehicle. You then make monthly repayments based on the remaining balance plus the agreement interest.
- Once all payments have been made, you will own your vehicle outright.
Benefits:
- Fixed monthly payments for confident budgeting.
- Flexible deposits and repayment periods (up to 60 months) to suit your needs.
- You own your vehicle at the end of the agreement.
- No annual mileage restrictions.
- If you purchase the vehicle exclusively for business use, you can claim back 100% of the VAT.
- You can claim capital allowances on vehicles you purchase and use for business, deducting part of your value from your profits before paying tax.
Finance Lease
If you would like to use a Fiat Professional van rather than owning it, then Finance Lease is a good option to consider. You’ll have the flexibility of three options at the end of your agreement.
How it Works:
- Choose the van you wish to drive.
- Decide how long you want your agreement to last.
- Pay an initial advance payment and start your monthly rental payments.
- At the end of your agreement you have three options:
- Part-exchange the vehicle at a local Fiat Professional retailer
- Sell the vehicle to an unrelated third party and use the money to pay any outstanding finance back to Stellantis Financial Services. If you sell the vehicle for more than you owe, the profit is yours to keep.
- Extend the lease by paying the Final Payment and annual rental (aka. Peppercorn rental) until you sell to an unrelated third party.
Benefits:
- Fixed monthly payments making it easier to budget (changes to VAT are out of our control and may affect your rental if amended by HMRC however if you lease a vehicle for solely commercial use, you can reclaim 100% of the VAT, or 50% of VAT if the vehicle is used privately.)
- Finance Lease can be tax efficient for your business.
Business Contract Hire
Business Contract Hire is a long-term rental agreement, ideal if you would like to hire your van without the cost of ownership or reselling. Throughout the agreement the finance provider, Leasys, remains the vehicle owner. It gives you flexibility to change vehicles on a regular basis.
How it Works:
• Chose the van you want to drive.
• Chose the duration of your contract (from 24 to 60 months).
• Chose your annual mileage. If you need to change your contracted mileage you can do so by contacting Leasys.
• Chose your initial rental and agree your fixed monthly payments. The more you pay upfront the lower your monthly payments will be.
• At the end of the contract, simply return the vehicle to Leasys.
Customer Benefits:
• Easier to change vehicles regularly.
• Flexibility to chose the duration of your contract (from 24 to 60 months).
• Simple end of contract. You can hand back the vehicle without the stress of selling or trading it.
• Option to include vehicle servicing, maintenance, repair MOT and tyre replacements for an additional fixed cost added to your monthly payments.