Supporting your sales
Building a successful partnership to boost sales
Our finance products
Customers who feel confident are more likely to buy from your business – and become repeat customers. Our range of finance products gives your customers the support they need to make those important purchase decisions.
For retailers, we offer personal loans with competitive APRs, interest-free loans over a range of lending periods, and buy-now-pay-later loans that can be payment-free for up to 12 months. Our motor dealers can benefit from finance solutions like PCP agreements, conditional sale and loans for both new and used cars, caravans and motorhomes.
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Motor Products Product
Personal contract purchase (PCP)
Conditional sale motor loan
Finance type
Secured fixed-term loan
Secured fixed-term loan
Vehicles financed
Cars & lifestyle vehicles
Cars, lifestyle vehicles & static caravans
Secured against vehicle?
Yes
Yes
Interest applied?
Yes
Yes
Loan Value
£1,500 and £50,000
£1,500 and £50,000
Loan term
1 – 4 years
For cars: 1 to 5 years
For static caravans: 1 to 12 yearsProduct details
- The customer is responsible for the vehicle as though they own it, but BPF are the legal owner until the customer has repaid the loan in full
- The customer must keep the vehicle in their possession and control, in good condition and roadworthy (including an MOT), have it serviced regularly, and buy appropriate insurance
- The loan includes an agreed mileage limit. If the customer exceeds this limit and the car is returned to us, an excess mileage charge will apply
- As part of the PCP agreement we will set a Guaranteed Minimum Future Value (GMFV) which is the amount we agree the vehicle will be worth on the date of the customer's final payment if all the terms have been met
- At the end of the PCP agreement the customer can choose to either: own the car by making the final repayment, return the car with nothing more to pay, or part exchange it for a new car subject to settlement of the loan
- The customer is responsible for the car or caravan as though they own it, but BPF are the legal owner until the customer has repaid the loan in full
- At the end of the agreement, the customer becomes the legal owner of the car or caravan as long as they have made all the repayments and met the terms and conditions of the agreement
- The customer must keep the car or caravan in good condition, have it regularly serviced, buy appropriate insurance and not make changes to it
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We provide loans and finance products for the following retail products:
- Home Improvement - Kitchens, Windows, Conservatories, Heating
- Electrical - Sewing Machines, TVs, Sound Systems, Lights Systems
- Furniture - Carpets, Sofas, Beds, Bathrooms, Furniture
- PC & Leisure - Personal Computing, Phones, Exercise Equipment, Cycling/Bicycle Equipment
- Other - Jewellery, Alloy Wheels / Motor Accessories
Product
Personal loan - interest free
Personal loan - with buy now pay later
Personal loan - interest bearing
Finance type
Fixed-term personal loan without interest
Fixed-term personal loan where first monthly payment is deferred for a set period or until a specified future date
Fixed-term personal loan with equal fixed monthly payments throughout the loan agreement
Secured loan?
No
No
No
Interest applied?
No
See product details
Yes
Loan Value
Up to £50,000 depending on product financed
Up to £50,000 depending on product financed
Up to £50,000 depending on product financed
Loan term
1 – 5 years
1 – 5 years
1 – 5 years
Product details
Under a buy now, pay later loan, the customer can choose from the following options:
- Repay the loan in full (only during the buy now pay later period or before the deferral period ends). There is no interest to pay, but there may be a settlement fee:
- Start to make repayments after the buy now pay later deferral period ends, we will add interest to the loan from the start of the loan agreement and the customer makes regular monthly repayments
- Interest is charged from the start of the loan agreement if the customer does not pay off the loan before the end of the deferral period
Business partner support
Our specialist team is here to help
Need some help?
Email us
Fill out our online form, we'll aim to respond within 48 hrs.
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