Hire Purchase: Flexi-Buy

Flexi-Buy has all the traditional benefits of hire purchase, with the added flexibility of an optional annual payment of up to 20% of your remaining balance – without incurring any penalty charges. You can repay your finance quicker and reduce your overall interest costs. Terms and conditions apply*.

Key features

You own the vehicle                  Fixed payments                                   Accurate budgeting                        
A flexible deposit and repayment programme Shows the vehicle as an asset on your balance sheet Tax-writing down allowances available
VAT fully reclaimable         Interest charges allowable against tax          Balloon payments available                                               
Extra payments to help speed up your finance repayment process Reduces your cost of finance overall                                                                                                                               

FLEXI-BUY explained

Contact us

Get in touch if you have any questions about our products and services, or to request a quote.


Answers to frequently asked questions about your finance agreement, updating details and more.


Download your copy of the Hire Purchase Flexi-Buy product guide that explains the key features of the product. 

Our finance products

*Finance is only available for business use where the amount of credit/amount payable exceeds £25,000. All applicants must be based in the United Kingdom. The granting of credit is subject to status and must meet certain credit criteria. Terms and conditions apply.


Scania Flexi-buy: Payment instalments must be up to date at the time you give notice for a Flexi-buy payment. A maximum of one Flexi-buy (“additional” Hire Purchase) payment in each year of your agreement with us is permitted, up to the value of 20% of the remaining balance. Flexi-buy payments are not allowed for the first six months of the agreement. A £295 flat fee is required at the start of the agreement in addition to the standard arrangement fee. A £50 plus VAT administration fee, per vehicle, is incurred for any additional payments made each year.