Making Your Future a Success

TFG Pay was born in 2019, combining the  activities of PSA Finance, Vauxhall Finance and Fiat Chrysler  Automobiles Automotive Services to create one company, as part of a  joint venture with BNP Paribas. Our mission as a joint venture is to  develop a trusting, long-term and close relationship with all our  customers, ensuring transparency at every stage of the vehicle finance  process and offering associated services including insurance to  complement these products further.

Offering a range of vehicle finance solutions, we work closely with  the TFG Pay automotive brands to ensure that our products are suited  to our customer’s needs. We help our customers to choose a finance  agreement that is tailored to them and their personal financial  circumstances.

With our office based in Canterbury we are dedicated to  serving our customers and developing new product offerings. The team are  driven by our core values, which guide us in everything we do ensuring  that we offer our customers the service that they expect.

Our mission is to continue developing a trusting, long-term and close  relationship with all our customers, ensuring transparency at every  stage of the vehicle financing process and offering insurance products  to complement these products further.

At TFG Pay we strive to become the top mobility  provider by outpacing markets and developing new solutions to meet the  changing needs of today’s customers.

Our history, experience, and knowledge across many different motor  manufacturers make us the ideal vehicle finance company to help you  purchase, hire, lease, or insure your new or used vehicle. We have  relationships with a network of over 400 outlets across the UK and the  ability to order a vehicle online. Finding the most suitable financing  solution for your vehicle with us should not be a complex process.

TFG Pay aims to make driving accessible for all  with a wide range of finance products. We have a range of options that  allow you to either buy a vehicle outright and own it, hire or lease it  with a range of options at the end of the contract (this is subject to  the product you choose). 

 A car finance agreement that offers fixed monthly payments allowing you  to budget with confidence, with multiple options at the end of your  contract.        

With Personal Contract Purchase (PCP), you can purchase your vehicle  with a deposit, monthly payments and, if you wish to own the vehicle at  the end, a balloon payment (also known as the Guaranteed Future Value).  Since you won’t have to pay for part of the car until the end of the  contract, this gives you additional flexibility.

PCP is a straightforward agreement with agreed monthly payments that  allows you to budget effectively with multiple options at the end of  your contract.  PCP offers more flexibility, especially if you’re unsure  what you want to do with your vehicle at the end of your contract, or  require lower monthly payments than a standard Hire Purchase Contract.

You can part exchange for a new one and start another contract.

You’ll need to pay an optional final payment (also known as the  Guaranteed Future Value (GFV) or Balloon payment) and the vehicle will  be yours. If you do not have the money to pay this in full, you may be  able to refinance the remaining amount and own the car outright once all  the payments have been made.

Should excess mileage and damage impact the value of your vehicle it  could be worth less than the GFV, meaning that additional payment could  be necessary.

• Multiple options for the end of your contract.
• Set monthly payment tailored to you.
• You need not worry about the future resale value of the car as we set the GFV
• Finance is available on both new and used vehicles.
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If you would like to return your vehicle at the end of your agreement , you will need to notify us via your online account.

Find out what to expect at the end of your agreement, with our helpful end of contract guide.

We are pleased to offer Personal Contract Purchase on cars for Business users.
 

 PCP Pro is an affordable way to finance a brand new van every 3-4 years.        

Personal Contract Purchase (PCP)  Pro is an affordable way to own a brand-new van every 3-4 years.  Designed specifically for businesses, the agreement offers fixed monthly  payments and defers part of the cost to the end of the agreement, also  known as the Guaranteed Future Value (GFV) or Optional Final Payment.  This allows you the benefit of tailoring the monthly payments to suit  your budget.

PCP Pro is similar to our  standard PCP product, allowing you to spread the cost of your vehicle  over your chosen period, whilst also offering you flexibility at the end  of your agreement. PCP Pro is only available on new vans. 

At the end of the agreement, you have three options:

1. Part exchange your van

You can part exchange for a new one and start another contract.

1. Keep your van

You’ll need to pay an  optional final payment (also known as the Guaranteed Future Value (GFV))  and the vehicle will be yours. If you do not have the money to pay this  in full, you may be able to refinance the remaining amount and own the  van outright once all the payments have been made.

1. Return your van to us

Return the vehicle with nothing to pay, subject to condition and mileage criteria being met.

• A fixed monthly payment, allowing you to budget with confidence
• Potentially lower payments than a Conditional Sale agreement
• Variety of options available at the end of the agreement
• Guaranteed future value, offering protection against depreciation
• Roadside assistance included as standard with all new PCP Pro agreements
• Option for ownership at the end of your agreement 

 A long term leasing arrangement, financed through Personal Contract  Hire. Meaning no residual value or ownership worry at the end of your  contract  

Personal Contract Hire (PCH) is a long-term leasing arrangement. This  means that although you won’t own the car or vehicle at the end of your  contract, you’ll be making a fixed monthly rentals whilst you use it.

Stellantis Financial Services offers PCH on new vehicles across a number of manufacturers within our brand network. We also offer contract hire on selected used vehicles. 

You will pay an advanced rental fee when ordering the vehicle. This  is agreed when ordering your vehicle and can be discussed further with  your retailer.

You will agree this allowance per year which will help determine your  monthly rental payments to lease the vehicle over your agreed contract  period.

At the end of the contract, you’ll return the vehicle to us and pay any excess mileage and/or damage charges.

• You’ll receive a budget-friendly contract tailored to your requirements
• No depreciation risk
• A wide range of manufacturers to choose from
• A longer-term leasing agreement

The Vehicle Excise Duty is included within your monthly rentals  meaning that we will pay the amount due directly to the DVLA as the  Registered Keeper of the vehicle. If the Vehicle Excise Duty increases  during the term of your agreement, we will require you to pay the  difference. Alternatively, we will credit you the difference if the cost  is reduced.

The cost of servicing, maintenance and insurance are costs not included within  the monthly rental. It would therefore be your responsibility to ensure  that any work is carried out by an approved Retailer. In addition, if  the term of your agreement extends beyond the statutory period of a MOT  (currently 3 years from the date of registration), you are responsible  for ensuring that the vehicle has a valid MOT certificate.