APT Finance
Business efficiency is a matter of revenues versus costs: leasing equipment in this context makes a lot of sense. Talk to APT about flexible financing such as hire purchase, lease purchase or any other type of finance plan to suit your requirements... Email Us
Site Map Frequently Asked Questions Login
Home Services Guide Finance Plans Enquiries
Site Map
About Us
Why Apt?
Our Approach
Service Pledge
Our Philosophy

Finance Plans
User Guide
Supplier Guide
Dealer Login

Enquiry Form
Dealer Form
Mailing List
Our Location
E-Mail Us

Finance FAQ - Common Queries

  1. Do I have to be a limited company to qualify for leasing?

    No. We can finance as a sole trader, plc, partnership, trust, non-profit, charity, etc.

  2. Can a car from other suppliers be included in the lease?

    Yes, no problem.

  3. Can I raise cash from an asset(s) I already own and want to keep?

    In some cases yes! We will pay you market value for the asset(s) which you then buy back over one, two or three years.

  4. Do I have to pay a deposit?

    Under special conditions, we may be able to delay payment. But, most finance companies will need at least one payment up front. Call for details...

  5. How should I make my repayments?

    Typically, they are taken by Direct Debit.

  6. When is the date of my first repayment?

    Your first payment will normally be made one month from the date we sign your agreement. This will be confirmed when you receive your second copy of the agreement which should arrive within a few days of signing. If the date is not acceptable to you, it is possible to change the due date, but this may incur a small charge.

  7. Can you change my payment date?

    It is possible for your payment date to be changed to a more suitable date, but your request does need to be confirmed to us in writing. Dates can only be changed after your first payment has been made.

  8. Can I confirm my method of payment?

    The method of payment should be confirmed before you sign your contract. However, if you are still unsure, you should check if you have signed a direct debit mandate with your agreement.

  9. Can I check you have the correct bank details?

    You should always double check that your bank details are correct before you sign your agreement and that the direct debit mandate details are fully completed and correct. (dd mandates only apply if you are paying by Direct Debit).

  10. If I need copies of the documentation, for example for tax purposes,
    can these be obtained?

    Yes, we are happy to provide copy documents .You just need to use our customer service form.

  11. Can I settle my agreement at any time?

    Settling your agreement with us is very simple. Just call our customer services department, quoting your agreement number and one of our friendly advisors can arrange for you to otain an early settlement figure.

  12. Can I pay more than my contracted monthly amount to finish my agreement early?

    It is not generally advisable on a fixed rate agreement for you to make extra small payments. However, a lump sum payment may enable us to reschedule the remaining balance and reduce the term of the agreement or monthly amount. Requests for reschedules should be confirmed to our customer services department in writing.

  13. What happens if I am unable to make payments?

    If you are having problems making payments, please contact us right away using our customer service form. The sooner you let us know, the more likely we will be able to help you.

  14. Can I transfer the agreement to someone else?

    There are tight controls on transfers of agreement so please contact us first to discuss, using our customer service form.

  15. Why do I have to pay a credit facility fee?

    All finance houses charge an initial Documentation fee. This is collected with the first repayment to offset some of the costs in preparing the paperwork and documentation for setting up an agreement. Credit documentation fees are payable either by direct debit or cheque, depending on your agreed method of payment.

  16. What happens if someone is injured by the asset(s)?

    You must have comprehensive insurance to cover use of asset(s) and injury or damage to third parties.

  17. What happens if I want to keep the asset(s) at a new location?

    Generally, this is not a problem. Simply notify us in writing of the new address where the asset(s) is/are to be kept. Under Finance and Operating Lease agreements, you will need our permission before relocating the asset(s). Also, you cannot part with possession of the asset(s) unless this was agreed at the time the agreement was made.

Back to FAQ main menu

For further information,
please contact us or use the enquiry form

Tel: +44 (0)1628-789769 Email Us Fax: +44 (0)1628-788299
Tel: +44 (0)1491 642077 Email Us Fax: +44 (0)1491 642078

| Home | Site Map | About Us | Services Guide | Finance Plans | FAQ | User Guide |

| Why APT? | Our Approach | Business Partner Application | Enquiries | Email Us |

© APT Finance. All Rights Reserved
| Legal Disclaimer |

Designed by Dynamic Webs...