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Vehicle Finance from Toomey Southend


Explore your finance options

There are many benefits to choosing a finance plan when purchasing a new or used car, and Toomey Southend will help you to understand them all as you search for your next vehicle. One major advantage is the affordability they deliver, as by spreading costs over a period of months you can make your budget go further.

To find out precisely which vehicles are within your price range, you can use our payment search tool to define results based on a minimum and maximum amount. You can also browse through our entire stock online and view examples of finance quotes to see if your preferred model is within reach. Our plans can all be adjusted to your requirements, with longer contract periods, larger deposits and lower annual mileage amounts possible. You can also part exchange your current vehicle to bring advance costs down significantly.

There is much to consider when choosing a finance package, and the below videos provide an introduction to all your options available.



Why finance through a dealership?
There are a number of reasons why it makes sense to buy your next car or van through a finance agreement, and our video will outline them all.

Hire Purchase (HP)
Hire Purchase (HP) is a common type of vehicle finance used as an alternative to an unsecured personal loan. This plan typically includes lower costs, as the lender remains the vehicle owner until all payments are made. Click the video for more details.

Personal Contract Purchase (PCP)
Personal Contract Purchase (PCP) agreements are popular for the flexibility they offer. At the end of the agreement, you have the option to pay a lump sum and own the vehicle outright, or return it to the lender. Watch our video today for further information. To discuss our finance packages with an expert, please contact Toomey Southend directly today.



GAP Insurance
GAP insurance is used to cover the amount you paid for your car, and the amount your insurer will pay based on its current value. This insurance protects you from any financial cost you may incur if your vehicle is written off.

If you would like to discuss any of the above options with a financial expert, please get in touch with a Toomey Southend adviser online or by phone. We can provide you with appropriate finance options tailored to your needs.


When purchasing a vehicle on finance...

With dealer finance facilities, the following proofs of ID may be required at request of the finance company:

  • Valid photocard style Driving License showing current address - both card and counterpart.
  • Passport
  • 2 utility bill dates within 90 days

All finance documents must be signed 48 hours before delivery

Please note that failure to provide any of these documents (and others where requested) may result in delay when collecting your vehicle until they can be produced. All documents must be originals.

Part Exchange

We will need the parcel shelf, share keys, locking wheel nut keys and all the relevant paperwork including:

  • New style V5 Registration Document - without this your part exchange may be unsaleable.
  • MOT (If applicable) - your part exchange may be worth less without this paperwork.
  • Service history (if applicable) - your part exchange may be worth less without this paperwork.