McCoy Motors try to operate a no-pressure sales environment and we understand that car finance is a scary prospect for many people, especially considering a large percentage of our customers are buying their first brand new car. We advise people considering finance on a new or used car to take their time, don’t rush and to look at all the options available to them. If the car you are interested in sells in the meantime it's not a big deal another one will show up, what's more important is making the right choice when considering finance. Come in and chat to us we have a very experienced finance and sales team that can give you all the options for both HP and PCP. Get quotes on both options and see what works best for you!!
The aim of management at McCoy Motors is to build a long standing relationships with everyone who comes through our door. The finance package you choose will have a strong bearing on the relationship you have with us. We are here to sell cars to customers who will come back when their PCP or HP term is over. Ultimately we want to give you the right information to make the right most informed choice for your own needs.
Personal Contract Plan you choose your deposit, between 10% and 30%. Depending on what you choose, we will then calculate your monthly fixed payment over 36 months. Volkswagen Bank will guarantee a minimum future value (GFV) and defer this as your optional final payment.
At the end of the plan you have 3 options:
*Things to note there is a mileage penalty per km if you go over the mileage threshold at the end of the 3 years. However this only applies if you are handing the car back to the bank. Allot of people don't know this, if you go for option 2 i.e. you hold onto the car there is no penalty & if you decide to trade in (option 1) there is no official penalty charged back to you. If you have gone way over your mileage allowance we will allow you less on your part exchange value however there will be no penalty charged back to you.
Hire Purchase is simple and very straight forward. You pay deposit or trade in your old car, and simply pay the balance in fixed monthly payments over a period that suits you. You continue paying this amount until the term is completed. Typically has a higher interest rate than PCP.
At McCoy Motors we have a dedicated business manager, (Margaret Freaney) who can advise you on the best finance package to suit your needs. As VW group partners our main finance option for our customers is through the Volkswagen Bank, however we can work with any of the other finance houses available.
The Volkswagen Bank offer extremely low interest rates, which can make changing your car more affordable than you think! SEAT Finance is part of the VW bank and specialises in providing finance for SEAT & CUPRA vehicles. As SEAT & CUPRA's choice of models continue to grow, so do the options available to our customers when selecting the most suitable method of finance.
SEAT new car offers 241/242 
CUPRA New car offers 241 / 242 
Easter Opening Times 
CUPRA dealer of the year 2023 
Christmas opening times