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Funding Methods and the Exclusive FJ Chalke Buy Back Option Explained

Find out which is the right option for you

The FJ Chalke Guaranteed ‘Buy Back’ Option

The one question most people seem to ask when buying a new truck is the cost of depreciation?

We want to tell you more about our Buy Back Guarantee, which will hopefully reduce any worries you may have.

We will purchase your truck back from you, and give you £200 over and above the final payment amount providing the truck has average miles* on the clock and is presented in average condition* (subject to a viewing inspection and verification).

So you could drive your truck for 5 years, sell it back to us and take away a £200 bonus when we buy it back from you.

Is there a catch?

No, this is our guarantee to you. Bring your truck back to us within five years of the purchase date and we will buy your truck back.

What’s the small print?

Typically, your vehicle will be subject to a viewing inspection and verification.

*Average mileage has to be under 12500 miles per year. Average condition means the vehicle has at least 3 months MOT remaining, tyre treads over 3mm and no deep scratches or dents beyond £300 of rectification.

Seems generous, why?

We want to offer our customers excellent service and assistance, the best advice and added value.

 

We understand how important customer service is and the number of choices out there for customers. We want to provide you with an experience that will ensure you are made the right choice, choosing FJ Chalke for your D-Max.

 

If you have any questions or would like to know more, talk to us, we can advise and assist.

So, you’ve found the right D-Max, but now you can’t decide the best way to pay? Thankfully there are options for all of us, including cash or finance. Finance will allow you to spread the cost into affordable, monthly payments, rather than paying in full.

There are several ways to do this.

1

Exclusive ULTIMATE PURCHASE Finance

Ultimate Purchase is a way of owning your vehicle from the day you drive it away, you are not restricted by mileage or usage and allows your vehicle to be classed as an asset for your Business.

Ultimate Purchase is basically the same as HP, a balance that is deferred until the end of the term to reduce monthly payments. Your vehicle can be changed at any time if the Business needs to determine this.

At the end of the agreement, you can either refinance the vehicle and keep it, pay the final payment, and keep it, part exchange the vehicle or we can buy it back from you and pay you £200 for doing so! (Subject to T&C’s above).

Unlike Contract Hire or Lease Hire you will own the vehicle and the V5 has your name on it from the start.
The deposit you pay is a minimum of the VAT which means you can claim all the VAT back.
You have an option of setting the final payment lower than what we state, this way you can pay more each month and have less to pay at the end of the term, fully flexible around your business needs.
All-New Isuzu D-Max

The Ultimate Purchase funding method has proved to be very popular with our Nissan Business customers over the years and the method has now been extended to our Isuzu customers.

ALLOWS YOU TO

 

  • Borrow any amount from £1000
  • Flexible deposit options
  • Fixed Finance rate over 2-5 years
  • Repayments to suit your budget

BENEFITS

 

  • Drive the All-New D-Max
  • Keep monthly repayments lower
  • No excess mileage clauses
  • No mileage restrictions
2

Contract Hire

Contract Hire allows you to take the D-Max for a set period of time and pay a fixed monthly rental. You do not own the vehicle, reducing the financial risk and easing the administrative process of buying, servicing and disposing of vehicles.

 

ALLOWS YOU TO

 

  • You pay the advanced rental ranging from 3 to 12 months upfront.
  • Fixed monthly rental for the duration of your contract.
  • At the end of your agreement, you simply return the vehicle back to us (subject to any excess mileage charges and damages which exceeds fair wear and tear).

 

BENEFITS

 

  • Road Fund licence included.
  • Flexibility to increase your contract term and mileage.
  • Optional servicing, maintenance and tyre options bring all running costs into one package.
  • Reduced VAT paid, as monthly vehicle payments can be offset against taxable profits.
  • Vehicles on Contract Hire are classified as ‘off-balance sheet’ and therefore has accounting benefits by improving the financial ratios for the business.
  • VAT registered businesses are able to claim 100% of the VAT back if the vehicle is used exclusively for business.
  • If the vehicle is used privately, 50% of the VAT can be reclaimed on the finance of the rental.
3

Hire Purchase (HP)

By far the easiest finance option to understand. You make an initial deposit, decide the length of time you wish to pay for, then pay fixed monthly instalments to cover the entire cost of the vehicle.

 

The benefit to this is that you end up paying for the vehicle outright and you can obtain a D-Max for a manageable monthly fee.

Still not sure? Call our Isuzu Professionals on 01963 400597

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