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A significant number of the cars we arrange finance for are by way of something called a Conditional Sale Agreement.
If you buy a car using a Conditional Sale Agreement, you agree to pay for all or part of the car you have purchased in instalments. The vehicle you have acquired will belong to whoever has provided you with the finance, even though you’ve taken possession of the car.
Conditional Sale Agreements are simple and straightforward to understand  and hence their popularity.




The  key things you need to know about financing your car via a Conditional Sale Agreement are as follows;

  1. You won’t own the car  until you have paid  all the instalments. When you’ve done this, the car  transfers to your ownership. This is called “getting good title”.
  2. Usually the supplying dealer will register the V5 in your own name (unless the Finance Company asks otherwise). The V5 confirms that your are the Registered Keeper of the car and NOT the legal owner.
  3. Conditional Sale Agreements are regulated by the Consumer Credit Act 1974. Your agreement must be in writing and will  contain specific information about the Consumer Credit Act in order for it to be valid.
  4. The Conditional Sales Agreements  that Fast Car Finance  arranges are always  with a separate Finance Company and the Finance Company  will purchase  the goods from the motor dealer on your behalf.
  5. You will  pay your monthly  instalments directly  to the Finance Company, typically via Direct Debit
  6. The total cost of borrowing the money, plus any other arrangement  fees payable are detailed in the Conditional Sale Agreement when you sign it.
  7. Monthly payment    instalments are for a fixed amount each month.
  8. You have the ability to settle the loan early and receive a rebate of interest charges.
  9. Additional “over payments” can be made to your loan  over the duration of the agreement, an additional  handling fee may be payable for doing this. Any additional  fees will be detailed within the lenders terms and conditions that you sign.


If you are still unsure if a Conditional Sale Agreement is the right type of finance for you, please

Contact us

today for further information.

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  • Nissan Navara DCI Aventura 2008
    £ 7,995.00 26/06/2017

    Conditional Sale Agreement


  • Volkswagen Tiguan 2.0 TDi 2017
    £ 34,149 23/05/2017

    Conditional Sale Agreement


  • BMW X6M 2015
    £ 62,897.00 27/06/2017

    Conditional Sale Agreement


  • Ferrari 458 2011
    £ 145,075.00 22/06/2017

    Conditional Sale Agreement


  • Land Rover Discovery 4SD V6 HSE 2011
    £ 24,990.00 17/05/2017

    Conditional Sale Agreement

    Business Proprietor

  • Land Rover Discovery 3.0 Sdv6 Landmark 2016
    £ 44,149.00 07/06/2017

    Conditional Sale Agreement

    Teaching Assistant

  • Rolls Royce Wraith 2017
    £ 219,000 23/03/2017

    Conditional Sale Agreement


  • Mercedes SL 500 1995
    £ 14,500 17/03/2017

    Conditional Sale Agreement


  • Ferrari F430 F1 2005
    £ 75,000 25/01/2017

    Conditional Sale Agreement

    Construction Industry

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  • Thanks for all your work Andy. As usual you and your team were super responsive, super efficient and did an excellent job ...

  • Having dealt with Fast Car Finance previously and having the whole process explained to me in plain English, I had no hesitation in returning to them to help finance my next purchase. As expected, the service was excellent . Thank you for holding my hand once again and I’ll be in touch for the next ...

  • Excellent. From my first purchase of my Ferrari a few years ago, then my Aston, to my most recent purchase, Andy has been awesome. Always available for any questions I have, always quick to reply – even at unsociable times. Even when my imagination runs wild Andy is always on hand to provide me quotes ...

  • … my experiences have all been very positive, and I would gladly use the guys again. They have also been a big help working in an advisory role. Steve has helped me out on 2 vehicle purchases this year and on both occasions FCF have worked quickly and effectively to come up with the most ...

  • Thanks Andy – another super job. I know where to come for my numerous car finance needs in the future ...

  • I really appreciated Andy’s professional attitude, ability to find a deal that suited me, his hands-on approach to the paperwork and the personal touch of visiting me at my office in London ...

  • All I have to say is a very excellent service and would recommend you to anyone. Thanks ...

  • Always Fast and Friendly… ...

  • I’ve dealt with Steve for both my transactions and I have to say he’s been brilliant. In both instances he has dealt with almost everything from start to finish with no impact on my busy schedule – no problems and minimal fuss ...

  • I have only dealt with Steve but I can report that he has been professional, courteous and efficient at all times. I would have no reservations in recommending Steve and Fast Car Finance to anyone ...



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