PCP Refinance

Just Asset Vehicle Finance Lincoln

Vehicle Re-Financing

Do you have your final payment approaching? You want to keep the car you know and love but don't have the funds available to pay the outstanding finance. Why not let Just Asset Finance re-finance the outstanding amount by using one of our approved lenders.

This will allow you to continue to have affordable payments for the car you already own... A change is not always for the best...

Credit History

If you have a poor credit history, or you have been refused a loan elsewhere, the good news is that we still may be able to help. In fact, a number of our lenders specialise in helping those with a poor credit history obtain car finance. Of course, no car finance is guaranteed, since everything depends on your particular circumstances – such as your age, your employment, your income and the size of the loan you are looking for - as well as your credit file. Even if you have been declined for a car loan elsewhere (such as from a bank, a car dealership or even another car finance broker), the good news is that we do work with lenders that specialise in poor credit car finance, so we may still be able to help.

Six simple steps... It couldn't be any easier...

Give us a call

Call Just Asset Finance on 01522 246778 / 07833 088890 .

Want to keep your vehicle?

You can! Let us re-finance the balloon payment.

Get The Best Deal

We'll shop around to find you the best finance deal.

Pay off The Balloon

We'll arrange for the dealer to be paid.

Retain Keys

Carry on driving the car you love.


Pay the new affordable monthly instalments to the lender.

A simple repayment facility, this will provide outright ownership at the end of the financial agreement. Repayments can be fixed and structured in a flexible way, for example a balloon payment can be applied to reduce the monthly repayments.

  • Better Cashflow
  • Flexibility
  • Tax Efficiency
Similar to Hire Purchase (HP) a PCP agreement has a few differences. One is that the car’s Guaranteed Future Value (GFV) is calculated at the beginning for a PCP agreement - (compared to HP Finance where you pay against the total value of the car). For a PCP agreement you pay for the deprecation of the car. A PCP agreement gives you the flexibility to decide whether you would like to own the car outright at the end of the agreement by paying the deferred value (GFV).

  • Flexibility
  • Usually Cheaper Than HP
  • Better Cashflow
  • Low Monthly Payments