Used Harley-Davidson Xl from Stratstone

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Stratstone Used Guarantee

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Why choose Stratstone?

		Ask for our Qualified Finance Specialist for a personalised quotation
		Price checked daily, so you pay less
		Over 4000 premium used cars and motorcycles to choose from
		Actual photographs, updated daily
		Nationwide coverage, over 100 dealers throughout the UK
		Credit Card secures

Lease Purchase (LP)

No monthly payments, just a single, up-front payment followed by a choice of three final options at the end of the agreement term.

How it works

We purchase the vehicle you choose, allowing us to claim back the VAT. This means that your payments are calculated on a VAT exclusive price.

You choose the deposit and term of the agreement between 12 and 60 months. Your rentals are spread over this period. At the end of the agreement, the end of the primary period, the vehicle can be sold to a nominated third party with the proceeds, less a nominal fee, being paid back to you as a rebate of rentals.

This rebate will attract VAT, so if you have reclaimed VAT during the agreement, HM Revenue and Customs will need to know about VAT on your rebate. Alternatively you may choose to keep the vehicle on a secondary period rental known as a ‘peppercorn’ rental. Alternatively, you may choose to reduce your regular rentals by deferring a ‘balloon’ payment to the end of the agreement. Agreement terms for this option are between 12 and 48 months.

At the end of your agreement, the primary period, you pay the balloon; the vehicle can then be sold to a nominated third party with the proceeds, less a nominal fee, being paid back to you as a rebate of rentals. Again this rebate will attract VAT, so if you have reclaimed VAT during the agreement, HM Revenue and Customs will need to know about VAT on your rebate. Alternatively you may choose to keep the vehicle on a secondary period rental, known as a ‘peppercorn’ rental.

Customer Benefits

Rentals are lower as they are calculated on the VAT exclusive price of the vehicle

VAT registered businesses can reclaim a portion of the VAT paid on rentals

Rentals are allowable against tax

The vehicle can be shown as an asset on your balance sheet

Low initial outlay and regular rentals for easy fixed budgeting

Personal Contract Purchase (PCP)

If you want to make fixed regular payments, guarantee the future value of your vehicle, and have a choice of three final options at the end of the agreement term, this option is right for you.

How it works

Choose your vehicle, agree your annual mileage and decide on agreement term between 20 and 48 months. We will then determine the Guaranteed Minimum Future Value (GMFV) of car at the end of your agreement. The GMFV is deferred to the end of the agreement and is the Optional Final Payment. The GMFV and any deposit are deducted from the price of the car. You make regular payments based on the remaining balance plus the agreement interest.

At the end of the agreement, just choose from one of the following options:

Renew - Choose a new car from your Stratstone dealer and use any excess value over the GMFV towards your deposit. You can trade in your old car or sell it privately.

Retain - To keep your car, you only need to pay the GMFV.

Return - Simply return your car to Stratstone in good condition and within the agreed mileage.

Customer Benefits

Fixed regular payments for easy budgeting

Your regular payments are reduced because the GMFV is deferred to the end of the agreement

The Guaranteed Minimum Future Value protects you against any potential fall in used car values

With shorter terms you can be driving a new vehicle more often, meaning your servicing and maintenance costs may be reduced

Flexibility – you choose the deposit, annual mileage and agreement term, to suit your needs, then at the end of your agreement you choose which of the three options is right for you