To celebrate our 70th Anniversary in 2019 we're delighted to offer our selected range of quality used cars at 4.9% APR Representative plus 3 years minimum warranty.*

Representative Example on Honda Civic Hatchback 1.4 i-VTEC SE Plus 5dr (Nav)

Monthly Payments £213.55 Customer Deposit £213.00
On the Road Price £12,995.00 Amount of Credit £12,782.00
Optional Final Payment £4,220.00 Total Amount Payable £14,683.40
Fixed Rate of Interest 4.77% p.a. Duration of Agreement 49 months
Estimated Annual Mileage 6,000 Excess Mileage Charge per Mile 4.0p
APR Representative 4.9% APR


The Personal Contract Purchase finance plan shown above is available through Black Horse Ltd, St William House, Tresillian Terrace, Cardiff CF10 5BH. Credit is available to UK residents aged 18 years and over, subject to status.

The figures above are based on 6000 miles per annum. With Personal Contract Purchase (PCP), you have the option at the end of the agreement to:

(1) return the vehicle and not pay the Optional Final Payment. If the vehicle has exceeded the maximum agreed mileage a charge per excess mile will apply. In this example, 4.0p plus VAT per excess mile up to 4,999, or for excess mileage of 5,000 or more, a charge of 4.0p plus VAT will apply to each excess mile above the maximum agreed mileage. If the vehicle is in good condition (fair wear and tear accepted) and has not exceeded the maximum agreed mileage you will have nothing further to pay; (2) pay the Optional Final Payment to own the vehicle or; (3) part exchange the vehicle subject to settlement of your existing credit agreement; new credit agreements are subject to status.

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