Copyright © 2018. All rights reserved.
FLEXIBLE FINANCE
Affordable Vehicle Finance
Drive away your dream van or motorhome today. Flexible payment plans from just £199/month. Bad credit? No problem – we work with all credit profiles.
9.9%
APR Representative
From £199
Per Month
FCA
Authorised
Calculate Your Monthly Payment
Choose your finance type and adjust the sliders to see your personalised monthly payment
📋 Representative Example
Cash Price:
£25,000
Deposit:
£2,500 (10%)
Amount of Credit:
£22,500
48 Monthly Payments:
£569.71
Total Amount Payable:
£29,846
Total Charge for Credit:
£4,846
Fixed Interest Rate:
5.05% pa
Representative APR:
9.9% APR
Finance is subject to status and affordability. Terms and conditions apply. David Chemla of Inverness is a credit broker and not a lender. We may receive a commission from lenders.
How Our Finance Works
Get finance approved and driving in 4 simple steps
Choose Your Vehicle
Browse our stock of quality vans, motorhomes and commercial vehicles
Calculate Payments
Use our finance calculator to find affordable monthly payments
Apply Online
Complete our simple application form in minutes
Drive Away
Get approved fast and drive away in your new vehicle
Finance Options Explained
Choose the finance option that suits your needs
Hire Purchase (HP)
Own it at the end
Traditional finance with fixed monthly payments. Pay a deposit, then equal monthly installments. At the end of the term, the vehicle is yours to keep. No mileage limits, no restrictions.
- Own the vehicle at end
- No mileage restrictions
- Fixed monthly payments
- Simple to understand
Personal Contract Purchase (PCP)
Flexibility at the end
Lower monthly payments with a final ‘balloon’ payment at the end. Choose to return, keep (by paying the balloon), or exchange for a new vehicle.
- Lower monthly payments
- Three end-of-term options
- Fixed interest rate
- Change vehicles regularly
Personal Lease
Rent long-term
Long-term rental with fixed monthly payments. Return the vehicle at the end. Perfect if you want to always drive a newer vehicle.
- Latest vehicles
- Fixed monthly payments
- Return at end (no worries)
- Maintenance options
Business Contract Hire
For your business
Fleet and business vehicle solutions. Tax-efficient with VAT reclaimable on payments for VAT-registered businesses.
- VAT reclaimable
- Tax-deductible payments
- Fixed monthly costs
- Fleet solutions
Why Choose David Chemla for Finance
Trusted by hundreds of customers across the UK
FCA Authorised
Regulated by the Financial Conduct Authority. Your finance is protected.
Multiple Lenders
We work with the UK's leading finance companies to get you the best deal.
Fast Decisions
Get an in-principle decision within 24 hours. Drive away quickly.
Ready to Apply?
Complete our quick and easy application form. Get a decision in as little as 24 hours.
FAQs
What credit score do I need?
We work with a wide range of lenders and can accommodate various credit profiles. Even if you have poor credit or have been refused elsewhere, we may still be able to help. Contact us for a no-obligation assessment.
How long does approval take?
Most applications receive a decision within 24-48 hours. We’ll keep you informed at every stage.
Can I settle my finance early?
Yes, all our finance products allow early settlement. You may save on interest by settling early. Contact your finance provider for a settlement figure.
What deposit do I need?
Deposits typically range from 10-20% of the vehicle price, but we can often arrange finance with lower deposits. Some finance types accept zero deposit.
Can I use my current vehicle as a deposit?
Absolutely! We accept part exchange on all our vehicles. Get a free valuation of your current vehicle.
What happens if I miss a payment?
Contact your finance provider immediately. Missing payments can affect your credit rating and may result in additional charges. Always speak to them if you’re having difficulties.
Do I need insurance?
Yes, fully comprehensive insurance is required for all financed vehicles throughout the term of the agreement.
What's the difference between PCP and HP?
With HP, you own the vehicle at the end after paying all installments. With PCP, you have a final “balloon” payment option to own it, or you can return the vehicle.
Can businesses apply?
Yes! We offer specialist business finance including Business Contract Hire, Business Contract Purchase, and Hire Purchase for businesses.
Are you FCA regulated?
Yes, David Chemla of Inverness is authorised and regulated by the Financial Conduct Authority. We act as a credit broker, not a lender.
IMPORTANT INFORMATION
David Chemla of Inverness Ltd is a credit broker and not a lender. We are authorised and regulated by the Financial Conduct Authority. Registered in Scotland
We can introduce you to a limited number of finance providers who may pay us a commission for such introductions. The amount of commission may vary between providers. The nature of any commission model will not affect the amount you pay under your finance agreement.
All finance is subject to status and creditworthiness. Representative APR 9.9%. Rates from 8.9% APR available to applicants depending on individual circumstances and credit history.
Missing payments can seriously damage your credit rating and may result in the vehicle being repossessed. Ensure you can afford the repayments before taking out a finance agreement.
"Scotland's specialist in quality used vans, motorhomes and commercial vehicles. Serving the UK from Inverness