Why Use Us?

Just Asset Vehicle finance Lincoln


The Vehicle Finance Specialists

We're an independent finance broker that has access to a selection of the UKs established lenders. We offer a wide range of tailored finance solutions for your individual or company's needs. Just Asset Finance make the buying experience personal to ensure we understand all of our customers wants and needs. You will have a direct point of contact thoughout your hassle-free buying experience

We can have your finance agreement approved in principal which does not affect your credit score, and allows us to complete your transaction without disappointment. Please get in contact with us and let us do the work for you.


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.




Customer Service

At Just Asset Finance, customer service is our priority. You can be safe knowing that you will be well looked after.


Market Knowledge

Our team has a large and expansive knowledge of the market, so we can find the best deal for you and your business.


Quality Assurance

We will constantly assess the quality and value in all we do assuring our clients get the best advice and service possible.


Honesty & Integrity

Honesty is the best policy from ourselves towards our clients when we analyse the overall business proposition we present.


Just Asset Finance


Finance Options We Offer:


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.

Benefits:
  Better Cashflow
  Flexibility
  Tax Efficienct
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 of the agreement, comparatively to HP Finance, you pay against the total value of the car. Whereas 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).

Benefits:
  Flexibility
  Usually Cheaper Than HP
  Better Cashflow
  Low Monthly Payments
This allows you to release capital tied up in your assets in order to give an immediate capital injection to your business. Alternatively, subject to agreements with other finance companies, assets can be refinanced by extending the term, leading to a reduction in monthly commitments. These funds could be used to recover from bad debt or reduce bank overdrafts. We can also arrange a refinance agreement to fund a ‘balloon rental’ that is due on a vehicle.

Benefits:
  Better Cashflow
  Debt Consolidation
A finance lease is a method of financing a vehicle that is usually accessed by VAT-registered businesses and companies, however sole traders and partnerships can also take advantage of finance lease. It is a form of car finance where the vehicle remains the property of the finance company, with the vehicle effectively hired out to a business. The business can then use this asset while paying an effective rental rather than a repayment.

Benefits:
  Low Monthly Costs
  Flexibility
  Sales Proceeds
  Tax Efficient
This is a rental agreement which can be used to finance a broad spread of business assets but is particularly effective for financing heavy commercial vehicles. The Funder builds in a residual value to reduce the rentals, thus helping cash flow and making ‘off-balance sheet’ funding possible.

Benefits:
  Up-To-Date Equipment
  Better Cashflow
  Tax Efficienct
  Debt Consolidation
A variable interest rate product which has fixed monthly payments.The interest rate is linked to a base rate which is usually Libor. Any adjustment required will be made at the end of the agreement.

Benefits:
  Interest Rate Savings
  Pay No VAT
  Low Deposit