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Business car and van finance made easy

Get on the road to success with vehicle finance from Lombard

Security may be required and product fees may apply.

Hire purchase (You own)

A simple finance solution if you're looking to buy and own your business vehicle. Just pay an initial deposit and follow up with equal monthly payments.

Contract hire (We own)

Lease the vehicle that your business needs, with options to include servicing and maintenance into your monthly payments. 

Get a quick quote

Calculate your monthly repayments

Our latest offers

Check out our Contract Hire offers

Quote for a specific vehicle

Get a quote for the vehicle you want

Make an enquiry

On contract hire for a car or van

Finance is only available to UK businesses looking to purchase a vehicle from a UK franchised dealer.

Finance is only available to UK businesses.

Can I finance a new vehicle?

Your vehicle will be classed as new if at point of purchase you are the first and only registered owner.

Can I finance a used vehicle?

We finance used as well as new vehicles. Your vehicle will be classed as used if at point of purchase you will not be the first and only registered owner. The used vehicle must not be more than 8 years old by the end of the finance agreement.

Will I own the vehicle at the end of the agreement?

With Hire Purchase when you make the final payment and pay any option to purchase fee the vehicle is yours.

Will you find the vehicle for me?

With Contract Hire you specify the make, model and any optional extras and we'll source and deliver the vehicle to you.

Will servicing and maintenance be included in the price?

With Contract Hire you have the option of including any servicing and maintenance in your monthly repayments helping you budget more effectively.

Can I include a final lump sum payment to reduce my monthly payments?

A final lump sum payment is a large one off payment at the end of your hire purchase agreement, commonly called a balloon payment. This reduces the cost of your regular monthly repayments and presents a flexible finance option. If you choose this option it will usually result in a higher total amount repayable.

Do you provide finance for multiple vehicles?

Please call us on 0800 028 7013 (Lines open Mon-Fri, 9am - 5pm).

Can I finance a 'non-standard' vehicle (e.g. taxi / limousine / hearse) 

'Non-standard' vehicles include taxis, airport cars, limousines, black cabs, motorbikes and hearses. Please call us on 0800 028 7013 (Lines open Mon-Fri, 9am - 5pm) to discuss finance options available for non-standard vehicles. We are unable to provide finance for racing or track cars.

Hire purchase (You own)

Contract hire (We own)

Get a quick quote

Our latest offers

Quote for a specific vehicle

Make an enquiry

Complete a quote or call us on 0800 028 7013 Lines open Mon-Fri, 9am - 5pm

4 simple steps to getting vehicle finance

1

Choose your finance option

 5 mins

2

Complete a finance quote

 10 mins

3

Get a credit decision  

 4 business hours

4

Leave the rest to Lombard

 

Why choose Lombard?

At Lombard, our independent, unbiased approach gives you complete freedom of choice across dealers, major manufacturers and models and access to a range of funding solutions which can be tailored to your needs. We are transparent with our approach and you can trust our vehicle finance solutions to keep your business moving.

Impartiality

Freedom of choice across reputable dealers, manufacturers and models
 

Transparency

Finding the best funding solution; if it's the one offered by your dealer, we'll tell you
 

Trusted partner

Acting as a trusted partner, answering your questions and focusing on your best interests

Diligence

Processing arrangements swiftly, without compromising your decision-making process
 

Consistency

Delivering a dependable service to all customers, irrespective of funding scope or scale
 

More reasons to choose Lombard

  • We are part of Royal Bank of Scotland and have been supporting UK businesses for over 150 years.
  • 97.3% of all applications were agreed from February 2015 to January 2016.
  • We offer funding on both new and used vehicles.
  • Knowledgeable and unbiased expertise acting in your best interests.

We strive to find a finance option that best meets your needs. We can offer you a reliable route to affordable finance, with readily available funds and the ability to complete an online application and receive a quick decision.

What our customers say

From the start of the process to me collecting my car I felt Lombard was in control. I will definitely use Lombard again when I buy any new vehicles - either cars or vans.

C Fawley, November 2015

Tips for buying a vehicle

  • Agree the purchase price before you start discussing finance options.
  • If you're trading-in another vehicle, don't discuss the part-exchange price until the purchase price for the new vehicle has been agreed.
  • Request a full, detailed quote in writing (see below for definitions of the most commonly used acronyms and jargon).
  • Make sure you have a full understanding of the agreement and fees involved.

Questions to ask your dealer

  • I'm a cash buyer. What's the best deal you can give me? And on what type of agreement?
  • If I choose Personal Contract Purchase (PCP), what are the hand-back terms?
  • What mandatory fees will I have to pay?
  • What's the annual percentage rate (APR), and what is the term of the deal?
  • What's the history of the vehicle?
  • What trade-in price can you give me for my current vehicle?
  • When will my new vehicle be ready? Will it be delivered to me?

Questions to ask your online lender

  • Will I be credit scored before getting a quote?
  • How representative is your finance calculator?
  • Who will my finance arrangement be with?
  • Can I have a balloon repayment?
  • What mandatory fees will I have to pay?
  • What is the annual percentage rate (APR)?

Jargon buster

  • APR: annual percentage rate.
  • Early termination: cancelling the deal before it's due to end.
  • Excess mileage: when you exceed the mileage limit of your deal. You'll be charged at a pre-agreed rate for every mile over the mileage limit.
  • Extension: a formal agreement to extend the length of the deal.
  • Final payment: the last payment of the deal.
  • Initial payment: sometimes called the IP, this is a payment you make before the car is delivered.
  • Length of contract: generally lease agreements are for 18, 24, 36, or 48 months.
  • Manufacturer's list price: the cost of the vehicle in the manufacturer's price list, including VAT. This does not include any extras, such as delivery.
  • MRRP: manufacturer's recommended retail price.
  • Repayment period: length of the deal.
  • RFL: road fund licence. This is the road tax for the car, and usually lasts for 6 or 12 months.
  • Total OTR/on road cost: this is the total cost for the car to be roadworthy, including VAT, number plates, VRF, 12 months of road tax and the manufacturer's warranty.
  • VRF: this is vehicle registration fee, and is included in the OTR.
  • Wear and tear: read wear and tear clauses carefully. Most contracts specify that charges for excess wear and tear will have to be paid by the customer when you return the car.
  • With maintenance: the part of a finance agreement that covers servicing repairs and tyre replacement.
Download the full document

Hire purchase (You own)

Contract hire (We own)

Get a quick quote

Quote for a specific vehicle

Our latest offers

Make an enquiry

Complete a quote or call us on 0800 028 7013 Lines open Mon-Fri, 9am - 5pm

Security may be required and product fees may apply.

Contract hire for cars and vans is available through Lombard Vehicle Solutions, provided by ALD Automotive Ltd, trading as Lombard Vehicle Solutions, Oakwood Park, Lodge Causeway, Fishponds, Bristol, BS16 3JA. For Lombard Vehicle Solutions activities Lombard North Central plc is acting as a Credit Broker and not a Lender. By following the link to view our Contract Hire offers you are confirming that you are aware, and agree to be, trasferred to a website provided by Lombard Vehicle Solutions and operated by ALD Automotive Ltd. This website is external to Lombard North Central plc, National Westminster Bank plc and The Royal Bank of Scotland plc. Lombard North Central PLC will receive a commission or other payment from ALD Automotive Limited should you decide to proceed with an agreement. Please contact Lombard North Central PLC for more information.

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