Vehicle Finance

Lease Purchase

Flexible funding with lower monthly payments and a clear route to full ownership.

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Soft-check eligibility only • no impact on your credit score

Our Lender Panel Includes

Shawbrook•Close Brothers•Lombard•Black Horse•Hitachi Capital•Northridge•JBR•& More

66+

Trusted Lenders

£100M+

Funded

Highly

Reviewed

Excellent on Google Reviews

Why Choose Lease Purchase

Lower payments today. Full ownership tomorrow.

Fixed Payments Based on Future Value

Monthly payments calculated on the depreciation element only, keeping costs lower.

Ownership Guaranteed at End

Unlike PCP, ownership is guaranteed: you must purchase the vehicle at the end.

No Option to Return

Lease Purchase commits you to ownership, making it ideal for those who know they want to keep the vehicle.

Popular for High-Value Vehicles

Widely used for prestige, performance, and commercial vehicles where residual values are strong.

Maximise Cash While Securing Ownership

Keep more working capital available during the term whilst locking in your future ownership.

Flexible Balloon Payment

The balloon payment size can be adjusted to balance monthly payments against the final settlement.

Our Finance Process

How It Works

A simple process designed around you

Apply & Consult

Discuss your vehicle and ownership intentions. We will structure the balloon payment to suit your plans.

Credit Approval

Our specialist lender panel reviews your application and provides a competitive Lease Purchase offer.

Document Signing

Review your agreement including the final balloon amount and sign at your convenience.

Collect Your Keys

Funds released. Drive your vehicle knowing full ownership is your guaranteed destination.

Looking To Finance Something Else?

Explore our full range of vehicle, business, and property funding solutions.

Business Loans

Fast working capital solutions with flexible repayment structures.

Bridging Loans

Short-term secured finance for time-sensitive opportunities.

Asset Finance

Fund equipment and machinery without straining cashflow.

Testimonials

What Our Clients Say

Real stories from real clients

BCC

Trustpilot · Great Service from Start to Finish

“

Dan and Owura were incredibly helpful from start to finish. They guided me through the process of funding my Lamborghini Huracán Tecnica, making everything smooth and stress-free. Their professionalism and attention to detail made the experience enjoyable, and they were always available to answer my questions. I couldn’t be happier with the service.”

Opulent Pools

Trustpilot · Couldn’t recommend Crownstone enough

“

Both Dan and Owura are so helpful throughout the process, giving me loads of different options as well as advising what would work best for me. They’ve now financed 5 different cars for me and every single time they’ve gone above and beyond. 5 star guys.”

Debonair Cooling

Trustpilot · Owura and Dan are amazing

“

Owura and Dan are amazing - they’ve got me 2 vans and a GLE53. Great guys, customer service etc. Will be using them for a lifetime.”

Case Studies

Recent Work

McLaren 720S Finance

Complex income structure resolved with specialist lender.

Read Case Study

Fleet Expansion

£2.5M fleet finance arranged for growing logistics company.

Read Case Study

Frequently Asked Questions

With PCP, you have the option to return the vehicle or pay the balloon to own it. With Lease Purchase, there is no option to return: ownership at the end of the term is obligatory. This makes LP suitable for those committed to owning the vehicle.

Yes. Lease Purchase is a committed ownership product. At the end of the term, you must pay the balloon payment to take full legal ownership. If you are unsure about ownership, PCP may offer more flexibility.

Yes. Many customers choose to refinance the balloon payment into a new finance arrangement rather than paying it in a lump sum. We can help arrange this well in advance of your final payment date.

Terms typically range from 12 to 60 months. The balloon payment size can be adjusted throughout this range to find a monthly payment and final settlement that suits your financial planning.

Our Lender Panel