Finance Plans at Motorvogue
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Latest News: Alfa Romeo has launched its first SUV in more than 100 years: the All-New Stelvio. The Alfa Romeo Stelvio comes hot on the heels of the exclusive ‘first edition’ and the range-topping Quadrifoglio, seen for the first time at LA Auto Show. Available in three trim levels - Stelvio, Stelvio Super and Stelvio Tecnica – it will initially be available with a choice of a 280hp 2.0-litre Turbocharged petrol or a 210hp 2.2-litre Diesel engine, both combined with an 8-speed automatic transmission and Q4 all-wheel drive.    Trim levels The Alfa Romeo Stelvio version is lavishly equipped with 17-inch alloy wheels, 8.8-inch Alfa Connect, Alfa D.N.A Rotary selector, 8-speaker audio system, black fabric seats (front with sliding, reclining and height adjustments), Integrated Brake System (IBS), Lane Departure Warning (LDW), and Forward Collision Warning (FCW) with Autonomous Emergency Brake (AEB) and pedestrian detection. This version also includes parking sensors, cruise control, electric tailgate and dusk and rain sensors. The Alfa Romeo Stelvio Super version builds on this with additional interior and exterior features: 18-inch alloy wheels, techno-leather and fabric seats in a choice of three colours (black, black/brown and black/red), and three options for the dashboard and door panels (black, black/brown or black/red) and door sills with steel inserts. An additional Luxury Pack and Sports Pack are also available to customers looking to go the extra mile. Alfa Romeo Stelvio Super’s Luxury Pack includes full grain leather seats (in black, brown, red or beige) with electrical adjustment and heating system, as well as real wood inserts. The Sport Pack comes with heated sports steering wheel, specific grip and leather wrapping, racing-style leather seats in black, red or brown, with electric adjustment and heating system, aluminium inserts and steel pedals. The introduction of Alfa Romeo Stelvio Tecnica offers a strong proposition to fleet, corporate and professional customers. Exclusively available with the Diesel engine, it features the 8.8-inch Alfa Connect 3D Nav, Bi-Xenon headlights with AFS and electric folding mirrors. Outstanding performance Built in Italy at the Termoli (petrol) and Pratola Serra (Diesel) plants, in areas assigned only to Alfa Romeo engines, with state-of-the-art processes and methods that put them at the top of their class in terms of performance and fuel economy, are the engines housed under the bonnet of the Alfa Romeo Stelvio. The 280hp 2.0-litre Turbocharged petrol and the 210hp 2.2-litre Diesel engines are combined with an automatic 8-speed transmission and Q4 all-wheel drive. The new 2.0-litre Turbocharged petrol engine, offering 280hp, is a 4-cylinder unit built entirely of aluminium with carbon drive shaft, combined with the automatic 8-speed transmission and Q4 all-wheel drive. In addition to electro-hydraulic valve actuation, the distinctive features of this engine include "2-in-1" turbo and 200-bar high-pressure direct injection which pair up to deliver a full-throttle response across the rev range in addition to first-class fuel-efficiency. This results in a peak torque of 400Nm at 2,250 rpm and offers best in class acceleration, going from zero to 62mph in just 5.7 seconds and onto a top speed of 143mph. The Alfa Romeo Stelvio will also be available with a 2.2-litre Diesel engine – available with two power outputs: 210hp at launch and 180hp following shortly after. It is the first Diesel engine in Alfa Romeo's history to be constructed entirely in aluminium. This in-line four cylinders engine features the latest-generation injection system with Injection Rate Shaping (IRS) and operating pressures of 2,000-bar. The electrically-operated variable geometry turbocharger offers state-of-the-art mechanics and a turbocharger speed sensor to minimises response times and improves efficiency. The Alfa Romeo Stelvio 210hp 2.2-litre Diesel reaches a top speed of 133mph and accelerates from zero to 62mph in 6.6 seconds. Both Alfa Romeo Stelvio SUV engines are teamed with the ZF automatic 8-speed transmission, specifically calibrated for fast, smooth gear shifts.  The automatic transmission work with the Alfa D.N.A selector to optimise fluidity, comfort and ease of driving in all environments and helps to further improve fuel economy and CO2emissions. Steering-column-mounted, aluminium paddle shifters are also available. Exciting handling Inspired by Italy’s highest mountain pass – an epic 20 kilometre driving route with more than 75 hairpins – the Alfa Romeo Stelvio has been built to offer an engaging driving experience while still maintaining the driver’s comfort. The new SUV boasts handling worthy of a sports car with exclusive AlfalinkTM technology – the most direct steering ratio in the segment and state-of-the-art suspension. Combined with ultra-lightweight, hi-tech materials, such as carbon fibre for the drive shaft and aluminium for the engines, suspension systems, hood, wings, doors and the tailgate, the car can boast sector leading handling and the Alfa Romeo Q4 all-wheel drive system. Driving comfort has been optimised though the perfect weight distribution between the two axles – a distinctive feature of Alfa Romeo’s. Managing the weights and materials, including adjusting the car's layout by placing the heaviest units in the most central positions, have helped achieve this 50/50 weight distribution. Light-weight materials reduce the SUV's total weight and provide excellent torsional rigidity, a quiet ride and exceptional handling even in extreme conditions. A new double wishbone suspension with a semi-virtual steering axis, optimising the filtering effect and guaranteeing rapid, accurate steering, was developed for the front suspension. The rear suspension uses a four-and-a-half link system – patented by Alfa Romeo – to deliver extremely precise control of the wheel's characteristic angles.  The Alfa Romeo Stelvio SUV has the most direct steering ratio in its segment delivering a natural, instinctive feel. Thanks to the Q4 all-wheel drive system, with rear-wheel-drive bias, the Alfa Romeo Stelvio is capable of conquering a mountain hairpin, gravel track or snow-covered roads.  Its architecture includes an active transfer case and front differential designed to give rapid-response management of high torque levels and a compact, lightweight set-up. The Q4 system continuously monitors numerous parameters to optimise torque distribution between the two axles according to what the car is doing and how much grip the road surface offers. In normal grip conditions the Alfa Romeo Stelvio acts like a rear-wheel-drive vehicle with 100% of the torque sent to the rear axle. As the wheels approach their grip limit the system transfers up to 50 per cent of the torque to the front axle. This translates into best-in-class control in terms of traction and directional stability on corners. An optional mechanical self-locking rear differential transfers more torque to the wheel with most grip to optimise the car’s traction in any driving conditions. Alfa Romeo sporty design The history of Alfa Romeo is evident in the striking, yet simple, design of the Alfa Romeo Stelvio. Three key Ingredients of Alfa Romeo design are visible in the new Alfa Romeo Stelvio’s exterior: proportion, simplicity and top-quality surfacing. From the legendary cloverleaf at the front end, its compact proportions develop towards the rear and end on a steeply raked rear hatch. Finished with a spoiler, for maximum aerodynamic performance, and two exhaust tips that bring this sporty rear to life. Inside the Alfa Romeo Stelvio, the same sporty elegant imprint is apparent: simple, stylish and tailored like a bespoke suit. Hours of painstaking craftsmanship means the car is jam-packed full of premium materials including full-grain leather, real wood and fabrics carefully chosen for their look and feel. On-board comfort and wellbeing for driver and passenger Despite a real focus on styling – both inside and out – the practical layout of the car means the driver is central to everything. This is underlined by the diagonal tunnel, the slightly undulating dashboard and the small leather-wrapped steering wheel that adapts effectively to all driving styles. The driving position and high seat gives complete command of the road, without compromising on the driving pleasure expected of a genuine Alfa Romeo sports car. The feeling of total control is reinforced by the large windows and the wraparound seats give an even sportier, cossetted driving experience. The Alfa Romeo Stelvio guarantees the very best in terms of comfort and versatility in this sector. The 525-litre boot features a convenient electric tailgate that can be configured with eight different setup levels for optimal boot access. Alfa Connect Infotainment system. Alfa Romeo Stelvio is equipped with the Alfa Connect system – developed in partnership with Magneti Marelli – with the latest-generation HMI interface, which is controlled from the Rotary Pad and the display incorporated in the dashboard. The latest-generation infotainment system not only controls the DAB digital radio but also provides a Bluetooth system for hands-free communication and playing audio from USB and smartphones devices. The entire range is supplied as standard with an 8.8" display with optional Connect 3D Nav 8.8” which supplies navigation with high-resolution 3D maps and high-speed route calculation. The system is also available without a GPS signal thanks to the Dead Reckoning technology, TomTom map updating from the USB port, driving style information and Alfa D.N.A. mode. A sophisticated audio system featuring eight speakers (four woofers and four tweeters) is standard across the range. 10 speakers (four woofers, four tweeters, a mid-range and a subwoofer in the boot), and a 14 speaker Harman Kardon system (four woofers, four tweeters, five mid-ranges and a subwoofer) are also optionally available. Alfa D.N.A Alfa Romeo Stelvio features the new Alfa D.N.A selector, which allows the driver to modify the car's dynamic behaviour with three modes: Dynamic, Natural and Advanced Efficiency (new energy-saving mode). Dynamic mode accentuates performance and reactive handling. The steering response becomes more precise, braking is more immediate and the electronic control systems do not interfere with the pleasure of sports-style driving. Natural mode is ideal for urban and motorway driving; handling is tailored for comfort and fuel economy. And finally, the new Advanced Efficiency maximises energy saving and minimises emissions levels. Unbeatable safety and innovative engineering The new Alfa Romeo SUV is the world's first car in its segment to offer the new electromechanical system that combines stability control with a traditional servo brake. With its combination of electronics and mechanics, this system not only cuts weights, gives an excellent driving "feel" and eliminates pedal vibration but also guarantees instant brake response, meaning a much shorter braking distance. A whole host of safety systems are standard on the Alfa Romeo Stelvio including Forward Collision Warning (FCW) with Autonomous Emergency Brake (AEB), Lane Departure Warning (LDW), Blind Spot Monitoring (BSM), Rear Cross-Path Detection and Active Cruise Control. UK pricing and specification will be confirmed closer to sale start. To find out more about on the Alfa Romeo range, contact us today.

Finance Plans Explained at Motorvogue

From PCP to hire purchase, here's everything you need to know about financing your next car. 

Car finance might seem daunting, but in reality it's just a simple two-stage process.

The first stage is to decide on the type of car deal you want: loan, lease, hire purchase, or dealer finance. Then it's a simple matter of choosing the provider whose product best suits your needs.

Personal Contract Hire (PCH)

The word 'Hire' tells you what PCH is all about. Basically you're renting a car for (typically) two or three years, with an agreed mileage limit of (typically) 10,000 miles a year. There's no option to buy the car at the end of the contract; you just hand the keys back to the finance provider. In effect, your payments are only covering the car's depreciation.

While you're running it, you're responsible for the car's upkeep. On the plus side, the deposit is low (three or six months' rental is common), as are the fixed monthly repayments, and you can blunt the impact of repair bills by incorporating a maintenance element into the agreement. Check that a separate manufacturer servicing package won't be cheaper before you tick that box, however.

Cars that hold their value well are a good PCH option, because the difference in their new and three-year-old values will be smaller, so you'll repay a lower amount. Cars that plummet in value from new are a bad choice, because you'll repay a much larger amount.

Just as with PCP, you'll need to make sure the car is in good condition when you hand it back, or you could face additional fees as the finance firm cleans it up.

Go for PCH if you say yes to one or more of these statements:

You don't want to own a car, or suffer its depreciation
You like being able to change cars frequently
You like the idea of driving better cars than you could normally afford
You don't mind looking after cars

Personal Contract Purchase (PCP)

It's a bit like HP in that there's a deposit to pay, a fixed interest rate, and monthly repayments over a choice of lending terms, which are usually between 12 and 36 months.

Where PCP differs from HP is at the end of the term. Then you'll have three choices. You can:

  • Return the car to the supplier
  • Keep the car
  • Trade the car in against a replacement

The first option, returning the car, costs nothing, unless you've gone over an agreed mileage or failed to return it in good condition. In either case there'll be an excess to pay.

Keeping the car means making a final 'balloon' payment. This amount is the car's guaranteed future value, or GFV, which is set at the start of the agreement.

The GFV is based on various factors, including the length of the loan and the anticipated mileage as well as the car's projected retail value. If you exercise this final buying option, you can of course keep running the car, or you can sell it, pocketing any equity above the GFV that you've paid back to the lease company.

If you're trading the car in, any GFV equity can be used as a deposit towards the next one.

Just bear in mind that the GFV doesn't always contain a huge amount of equity at the end of the term - so when you're working out monthly costs, it's probably wise to factor in a few extra pounds per month that you can put away in preparation for the next deposit at the end of two or three years.

If the car has gone into negative equity – which can happen – you'll have to find all of that deposit if you want a further PCP. Shorter leases are more likely to come with more accurate GFVs and manufacturers are quite proactive in trying to get you out of a car early if they think there's scope to get you into a new one on a decent monthly rate; it's not uncommon dealers to call customers on three-year deals about a year early - because doing a new PCP keeps the buyer tied to that manufacturer for a further period of time.

Go for PCP if you say yes to one or more of these statements:

  • You want lower monthly repayments
  • You like the flexibility of options at the end of the agreement
  • You can confidently and accurately nominate your mileage

Hire Purchase

Under HP agreements, there's a deposit to pay – typically 10% – followed by fixed monthly payments. The car is owned by the HP company until the final payment – and any 'option to purchase' ownership-transfer fee – has been paid. Up to that point, the person making the payments has no legal right to sell the vehicle.

Nevertheless, some 'owners' do sell 'their' cars before the final payment. The good news for buyers of these 'non-paid-up' HP cars is that the law clearly protects private purchasers who buy without notice of any undischarged HP agreement.

No matter what the police or anyone else might tell you, you'll get a good title to the car if you buy an HP car under these circumstances. The finance company can take action against the seller if they wish, but it's not your problem.

The credit on an HP agreement is secured against the car, so it's like dealer finance in that the only the car can be seized in the event of a default. If you need to sell the car before the end of the agreement, you'll have to repay the outstanding debt first – and 'early settlement' fees may apply.

Go for HP if you say yes to one or more of these statements:

  • Eventual ownership is important to you
  • Your budget and circumstances suit fixed monthly repayments
  • Your disposable income is likely to decrease over the agreement term (eg if you're planning a family)
  • You like low-risk credit secured against the car only
  • You don't mind not owning the car until the debt is fully repaid
Motorvogue Bedford

Interchange Park, Bedford, MK42 7GB

TEL: 01234 867788

    


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Motorvogue Northampton

74 Kingsthorpe Road, Northampton, NN2 6HE

TEL: 01604 714555

    


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Motorvogue Clapham (Bedford)

87 High Street, Clapham, Bedfordshire, MK41 6AQ

TEL: 01234 354257

    


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Motorvogue Kings Lynn

Scania Way, Hardwick Industrial Est, King's Lynn, Norfolk, PE30 4LP

TEL: 01553 772644

    


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CONSUMER CREDIT & GENERAL INSURANCE
Motorvogue (Northampton)Ltd is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Motorvogue (Northampton)Ltd to act as a credit broker, not as lender, for the introduction to a limited number of finance providers and to act as an agent on behalf of the insurer for insurance mediation activities only.