How does new car or bike finance work

There are many types of new car or bike finance though personal contract purchase (PCP), personal contract hire (PCH), and hire purchase (HP) are the most common. Personal contract purchase - You pay an initial deposit (typically 10% of the vehicle's value) followed by monthly instalments on the amount you borrowed. At the end of the agreement, you can choose to own the vehicle by making the optional final payment, or hand the vehicle back to the finance company with nothing further to pay (provided it's within good condition and within the agreed mileage). Personal contract hire - You pay an initial rental followed by monthly payments for a set period, which is confirmed at the start of the agreement. At the end, you return the vehicle to the finance company with nothing further to pay (provided it's within good condition and within the agreed mileage). You do not have the option to purchase the car. Hire purchase - You pay an initial deposit, then pay off the remaining loan balance in monthly instalments. Once fully paid, you own the vehicle. There are no mileage limits. Find out more about payment options for your new car or bike or contact us today .

Do you pay less road tax on new cars?

It depends. You’ll pay a set amount of tax based on the car’s CO2 emissions in the first year. If your car is worth more than £40,000 when new however, you’ll have to pay an additional rate of £320, on top of the standard rate for five years. Contact us today if you are thinking of upgrading to a new car. Our sales teams will be more than happy to guide you through the process.

Is it cheaper to insure a new car?

How much you pay for your car insurance depends on several factors, including what car insurance group the vehicle is in, and your personal driver history (claims, where you live etc). That said, as newer cars are normally more valuable, they can be more expensive to insure. We’ll always recommend looking around for the best quote, which offers the greatest protection/coverage. Contact us today if you are thinking of upgrading to a new car. Our sales teams will be more than happy to guide you through the process.

When is the best time to buy a new car?

Anytime. At Dick Lovett, we’re authorised retailers for all of the brands we represent, which means we’re able to offer the best new car deals all year round. Visit our modern dealerships in Bristol, Cardiff, Hungerford, Melksham (near Bath), Swindon, and Tewkesbury and explore a wide selection of new cars for you to view and test drive. Find out more about payment options for your new car or contact us today .

Used cars for sale

High quality selection of used cars

New cars in stock

Brand new & available for immediate delivery

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Manufacturer approved servicing & repairs

Used cars for sale

High quality selection of used cars

New cars in stock

Brand new & available for immediate delivery

Book a service

Manufacturer approved servicing & repairs

New Cars For Sale

Experience the ultimate selection of new cars at Dick Lovett. As a leading automotive retailer, we pride ourselves on offering our customers the best choice of cars available in the market today.

New cars for sale

Step into the world of elegance with BMW, indulge in the playful charm of MINI, or discover the pinnacle of luxury with Jaguar and Land Rover. If you crave the thrill of the open road, explore our stunning range of sports cars available from Porsche, Aston Martin, and Ferrari.

Visit our modern dealerships located in Bristol, Cardiff, Hungerford, Melksham (near Bath), Swindon, and Tewkesbury, and explore a wide selection of new cars for you to view and test drive. Place a factory order to your exact specification, or explore our brand new cars in stock which are available for immediate delivery.

Whether you're seeking an upgrade for your existing coupé, wanting to change your 3-door hatch to obtain the spaciousness of an estate car, or need to accommodate a growing family with a new SUV, we are dedicated to providing the guidance and support you need throughout your decision-making process.

When it comes to your next new car purchase, Dick Lovett stands out as the top choice for motorists in the South West and Wales, offering unmatched service for over 50 years. With our extensive brand knowledge and expertise, we are dedicated to providing you with the utmost customer care and ensuring your satisfaction.

When you purchase a new car from Dick Lovett, you can do so in confidence. All of our new cars come with a manufacturer warranty of at least 3 years, sometimes even longer. This warranty provides protection in case anything goes wrong during that period. It covers various aspects of your new car, including mechanical and electrical components, ensuring that any defects or malfunctions are taken care of by the manufacturer, free of charge*.

One of the advantages of purchasing a brand new car is the exciting opportunity to customise the design and specifications according to your preferences. Unlike purchasing a used or second hand car you can select the body colour, interior features, wheels, and technology options to make your car uniquely yours. These options often include the latest systems and software available, keeping you up to date with cutting-edge technology, and most importantly safe.

Another benefit to purchasing a new car is that they use the latest generation petrol, diesel, and electric powertrains. These are more fuel and energy efficient due to continuous enhancements throughout the vehicle's lifecycle. This ultimately ensures a smoother ride, but more importantly saves you money on running costs.

As approved retailers for all of our brands, we can also help with any after-sales needs including servicing, repairs, and MOTs. All work is performed by our highly skilled and approved technicians who will only ever use genuine parts to get you back on the road.

Explore New Cars For Sale

Searching for new cars near me? Discover the latest and best new car deals at Dick Lovett.

We have a huge collection of quality new electric, hybrid, petrol, and diesel cars, from some of the world’s finest vehicle manufacturers.

Explore our finance options and best new car deals, including Personal Contract Purchase, more commonly known as PCP and HP (Hire Purchase). Our Sales Executives and Finance Specialists are on hand if you have a car to part exchange as part of your deal.

Whatever you have in mind, find your next coupé, convertible, SUV, hatchback, saloon, estate, and more online or at our dealerships. Click on the logos above to view our choice of new cars, or explore our immediate delivery new cars in stock here. Adjust your search using the filters and search by make & model, fuel type, location, cost, and more options.

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