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Smart Finance

Smart Finance

Whether you are purchasing your own car or opting out of a company car scheme, The Hughes Group can help you find the right Smart finance package specific to your needs.

We can tailor a package to suit how often you change your car, how much deposit you have available, and the type of monthly payments you would like to make.

 Smart Agility

This allows you to defer your decision to purchase or return the r at the end of the contract.

Benefits of Agility include:

  • Flexible deposit and repayment period
  • By including Optional Purchase Payment, which equals the guaranteed future value of your vehicle, we can reduce your monthly payments
  • The future value risk is underwritten by Smart
  • Loans are not secured on your home
  • Fixed interest rate and payments throughout the life of the agreement
  • Defer your ownership agreement until the end of the period, then choose one of 3 options

o       Option 1: Purchase your Smart

o       Option 2: Hand back your Smart

o       Option 3: Purchase and part-exchange your Smart for a brand new on

Smart Hire Purchase

A simple and affordable repayment plan suiting anyone wishing to retain the vehicle for a long or indefinite period of time.

Benefits of Hire Purchase include:

  • At the end of the agreement, the vehicle is yours
  • Flexible deposit and repayment period
  • Loans are not secured on your home
  • Fixed interest rate and payments throughout the life of the agreement

 Smart Operating Lease 

Suits individuals opting out of a company car scheme or those wishing to lease a vehicle for a fixed monthly payment before returning it.

Benefits of Personal Lease include:

  • By including a guaranteed residual value, your monthly rentals are reduced
  • There is no large initial deposit
  • Fixed monthly rentals that fit your budget and protect you from unexpected bills
  • Possibility to extend the hire in some instances
  • Simply hand back at the end of your agreement (subject to charges for excess mileage and damage)

If you would like any more information on Smart Finance please fill out the form below, or call us on 0843 316 0345.