Other Finance Options | Forza Finance

Other Types of Popular Finance Products:

Finance Explained

The finance world is full of jargon, rates and fees, which can make deciding how to fund your next purchase a daunting experience. More and more buyers are choosing finance to fund their dream vehicles. There are several types of vehicle finance, each with their pros and cons.

All types of finance aim to help you drive your dream vehicle without needing a cash lump sum to pay for it upfront. The most widely recognised and popular option is personal contract purchase (PCP), but other finance methods such as hire purchase (HP) and leasing are steadily gaining popularity. Like any finance package, you should carefully consider whether you can afford the repayments – a cash price will always be available but may not be the best option long term.. At Forza Finance we remove all the unnecessary and confusing details to simply find the best vehicle finance options to suit your budget.

Finance Options

Check out our simple guide to the most common car finance options, to assist you with the multiple finance packages available.


Personal Loan

A personal loan is another option available for financing your vehicle and is a straight forward way of spreading the cost of your loan.

The rate of interest is usually fixed (but can be variable) making the budgeting of your new purchase simple and easy and you take immediate ownership of your vehicle.



Re-financing gives the ability to provide quick access to the value held in a vehicle or asset to redeploy elsewhere, such as to fund a deposit on a new vehicle or asset purchase or just simply ease cash flow.

Maybe you want to re-finance your classic car or prestige vehicle in order to release funds for an addition to your collection or an asset for business.


Finance Lease

Finance Lease is one of the most popular means of finance available and enables your business to acquire a broad spectrum of assets or equipment.

With this finance plan you have operational control over the asset without ownership, and the option to gain a share of the economic return when the asset is sold at the end of the agreement.


Seasonal Payment Plan

Seasonal Payment Plan allows for more flexible approach to business finance.

Available on Hire Purchase agreements, this finance solution provides business customers who experience seasonal trading periods, the opportunity to tailor a finance plan to meet the specific demands of their business.


Stock Financing

Stock Financing is a mechanism which releases working capital from stock such as finished goods or raw materials, which works by lenders purchasing stock from a seller on behalf of the buyer.

It can be used as a revolving facility to enable access to cash as and when a business needs it.


Contract Hire

Personal Contract Hire (PCH) is a straightforward hire agreement for private individuals.

With this finance plan the option of hiring a new vehicle rather than ultimately owning it means there is no need to worry about depreciation or selling, you just simply pay the fixed monthly rental over the term of the agreement.


Balanced Payment Plan

This is a Variable Rate Hire Purchase with the option of a balloon and offers the benefit of fixed monthly repayments at a variable rate of interest.

Unlike a fixed rate finance product a Balanced Payment Plan tracks each change in the Finance House Base Rate, or London Interbank Offered Rate (LIBOR) depending on your agreement. As the rate increases or decreases so does the total sum of interest that you pay.

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We value Forza Finance customers and appreciate their feedback
  • Excellent service. Jordan looked after us throughout and was always available to talk through any questions or queries we had. The speed of service was superb - the process took less than a day from start to finish with the funds being transferred almost immediately. I would highly recommend Forza to anyone who's looking to get finance for their vehicle. We're now looking forward to picking up our camper van tomorrow and making the most of the sunshine :). Many thanks Jordan
  • I was recommended Graham Forza by a friend and I couldn’t have been more happy with the service I received. Pleasant, helpful and professional. I would definitely use them again and recommend wholeheartedly
  • Great service from Forza Finance. Graham was amazing and managed to turn everything around really quickly so we can pick up our lovely new van. Would definitely recommend these guys.
  • These guys were brilliant. From initial enquiry until completion it took 24 hours and all paperwork was sorted and funds paid. Big Shout out to Jordan for being always on hand. I will be using them again for sure!
  • Forza were very easy to deal with and even though the actual finance was eventually arranged with the same company as the dealer had quoted with, Forza were able to arrange a deal saving me over £500! Graham at Forza was a pleasure to communicate with, always polite, makes a difference these days!
  • Jordan at Forza Finance has been an absolute star to work with. Nothing was too much trouble for him, and he really went all out to make the deal happen for me. I was kept in the loop the entire time, and Jordan was extremely easy to get hold of should I have had any questions - no nightmare phone trees to deal with! An all round great experience with Forza and Jordan, I can’t rate them highly enough.
  • Fantastic support from Forza who were a massive help in getting our dream motor home on the road. Graham was fantastic support at every step of the journey. Couldn’t be happier :) well done
  • Jordan was excellent. Sent my enquiry over late Saturday, had the documents at an impressive rate by Monday.Very happy with the rates given and the customer service! Should I need any more finance I will definitely be using this company!
  • The service provided by Forza Finance is excellent! They make sure everything is clear and they are in constant communication with you so you know where you are at in the process. Both Jordan and Graham were extremely helpful and they got me a great deal. Would definitely recommend!
  • From start to finish Barry was extremely swift with all communications and I managed to get a really competitive deal matched with great customer service. I would highly recommend.
  • Excellent service from Graham and Barry from start to finish.....7 star service.
  • Forza finance came to the rescue and found a storming deal. Easy to deal with asked a few questions and had the deal sorted in 2-3 days Evan over the Christmas period.
    Thomas Phillips
  • I was recommended Graham at Forza by a friend and I couldn’t have been more happy with the service I received. Pleasant, helpful and professional. I would definitely use them again and recommend wholeheartedly.
    Jane Hill
  • Just thought I’d drop you a line to thank you for assisting me with the finance of my new car. Your courtesy and professionalism has made the whole process a breeze from start to finish and, as such, it has been a pleasure dealing with yourself and Forza Finance. Thank you, once again. I will definitely recommend your services to colleagues, friends and family.Kind regards, Henry Hichens.
  • Absolutely amazing customer service!! Very friendly, prompt and efficient service! Especially Graham who went above and beyond to really help us out! Highly recommend it anyone! Excellent customer service and incredible staff support! Really appreciate it!Thank you, Vithiya
  • Thanks for taking the time and making an effort in finding the right finance package for me. This was an important purchase and Forza displayed both the knowledge and expertise in securing and executing the deal with the minimum of fuss. I would highly recommend their services.
    Rod Watson
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  • I wanted to get the best finance deal for my purchase and I'm extremely pleased I took my business to Forza. The Lease Purchase product recommended provided a strong residual value and affordable monthly payments. I will be back when I'm looking to buy again.
    Steve Bennett
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  • The number of options and subsequent advice made it easier for me to understand the products and make the best choice for me. Thanks for all your help and I will definitely be recommending you to friends, family and colleagues.
    Mr M. Ahmad
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  • Forza Finance have worked with new client Hillside Leisure, specialists in Motorhomes and Campervans, on their funding solutions. Their first joint customer is now the proud owner of a Stone Blue VW Birchover.
    Hillside Leisure
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  • From start to finish very impressed with the finance offered and customer service from Liam second to none would recommend these guys before using dealer finance.
    Mike Richardson
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  • Excellent comprehensive service. Clear and helpful advice, trouble free from start to finish, extremely helpful adviser (Barry Stockwell) and provided clear and timely communication with me the client, the car dealership and the lender. In addition to great customer service, Forza Finance managed to find the best interest rate on the market and provided the most cost effective PCP solution when compared against three other brokers and the car dealership's own finance. Would recommend without reservation. Thank You.
    Mrs Arnold
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