We understand everyone has individual needs and circumstances, so we've created this comparison table to highlight the key features and risks between each of our finance products so that you can choose the one that's right for you.
Find out how different finance products compare by taking a look at our frequently asked questions with getting a car on finance.
0 to 35%.
0 to 95%.
From 1-9 months rentals.
Choose term from 24 to 42 months*
*Maximum terms vary according to vehicle model
Choose term from 24 to 60 months*
*Maximum terms vary according to vehicle model
Choose term from 24 to 48 months*
*Maximum terms vary according to vehicle model
You can upgrade the car, return the car, or pay the Guaranteed Future Value (GFV) to own the car**
** Keep - pay the GFV and own your car;
Return - Hand the car back
Upgrade - Part exchange the car for a new car
You can own the car.
You will not own the car and must return it.
Yes. You decide your annual mileage at the start of your finance agreement.
No.
Yes. You decide your annual mileage at the start of your finance agreement.
No.
No.
No.
Yes.
Yes.
Yes.
Yes, but only if you want to keep the car.
No.
No.
No.
No.
Yes.
Yes.
Yes.
Yes.
No. The car remains the property of KINTO UK Limited.
The Guaranteed Future Value (GFV) is the final payment which is secured by the value of the car. If the car is worth less than the GFV, you can choose to return it to the finance company with nothing further to pay, subject to terms and conditions. If the car is worth more than the GFV you get the equity.
Once all payments under your finance agreement are made, ownership automatically passes to you, so any depreciation risk is yours.
Because you do not own the car, the depreciation risk is taken by KINTO UK Limited.
If you decide to part exchange, you will need to settle your finance agreement, you can do this at any time. For regulated finance agreements, an early settlement amount is calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
If you decide to part exchange, you will need to settle your finance agreement, you can do this at any time. For regulated finance agreements, an early settlement amount is calculated in accordance with the Consumer Credit (Early Settlement) Regulations 2004.
Your finance agreement is designed to run for the full term.
Your finance agreement will state that the car must be maintained in line with the manufacturer’s guidelines.
Your finance agreement will state that the car must be maintained in line with the manufacturer’s guidelines.
A condition of your finance agreement is that the car must be maintained in line with the manufacturer’s guidelines. You can add the cost of maintenance into the monthly rental.