Telephone: 01925 633583

Finance at Lightcliffe ŠKODA

Solutions (PCP)

Solutions is a flexible personal contract plan (PCP). which could help you give more car for your money.

Whether you want to drive the latest model or change your car to suit your circumstances. ŠKODA Finance can help. Solutions put you in the driving seat. You can pay a smaller deposit (as little as one repayment) and defer a proportion of the car's value until the end of the agreement helping you lower your repayments when compared to a hire purchase. Designed around both you and your budget, solutions work to your preferred repayments over your agreed term, anything from eighteen months to three and half years.

How You Can Benefit

  • You could regularly upgrade to a higher specification ŠKODA
  • You could regularly change your car to suit your changing needs
  • You could reduce your repayments
  • You can choose to pay a smaller deposit

How Does Solutions Work?

Step I: Agree on a repayment period and estimate your annual mileage
Step 2: Set a deferred amount to the end of the agreement (the optional final payment) to make your repayments lower
Step 3: Pay a deposit made up of part exchange or cash - as little as one repayment (in advance)
Step 4: At the end of your repayment term you have three choices:

  • Pay off the optional final payment so you own the car
  • Return the car to us and pay nothing more (subject to terms and conditions)
  • Part-exchange the car for a brand new ŠKODA on a new solutions contract

Hire Purchase (HP)

At ŠKODA, we're always trying to make your life that little bit easier for you. and our hire purchase can do just that. Simply pay a 10% deposit, spread your monthly payments over l to 5 years and once they're completed, your ŠKODA is all yours.

How Does Hire Purchase Work?

  • Choose the ŠKODA and the repayment period that’s right for you
  • Agree on a repayment amount to suit your budget
  • Pay an initial deposit to start your agreement
  • The balance is divided equally over the term and after the final repayment you own your ŠKODA*

How You Can Benefit

  • You'll own your ŠKODA and keep within your preferred budget
  • You can choose your own repayment period - up to five years

Please Note: *Subject to payment of the option to purchase fee. An offer of finance depends on certain conditions. Subject to status. Indemnities may be required. Available to people over 18 In the UK only. SKODA Finance


Fixed-Cost Maintenance

‘As good as new' - We know that’s how we all like to keep our cars, so this is an ever-so-simple budget plan to help you do just that.

Our fixed-cost maintenance cover is available for 3 levels of care, so just choose how much you need:

  • Service only
  • Service and maintenance service
  • Maintenance and tyres

Why Should I Choose Fixed-Cost Maintenance?

Your servicing can be tailored to suit your individual motoring requirements - anything between 5,000 miles and 40,000 miles each year (up to a total of 120,000 miles) - to ensure you're only ever paying for what you need.

To make it even more convenient you can buy fixed-cost maintenance by direct debit, or you can purchase the entire plan with a one-off payment or add it to your finance agreement.

Naturally, we use only genuine ŠKODA approved parts and highly skilled technicians, so you can relax knowing that ŠKODA experts are caring for your car. Choose fixed-cost maintenance and discover the simple, affordable way of looking after ŠKODA.

Why Finance Through a Dealership?

What is Hire Purchase?

What is Personal Contract Purchase?

Clare James Automotive Limited is an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allow Clare James Automotive Limited to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only.
We can introduce you to a selected panel of lenders, which includes Volkswagen Financial Services. An introduction to a lender does not amount to independent financial advice and we act as their agent for this introduction. Our approach is to introduce you first to Volkswagen Financial Services, who are usually able to offer the best available package for you, taking into account both interest rates and other contributions. If they are unable to make you an offer of finance, we then seek to introduce you to whichever of the other lenders on our panel is able to make the next best offer of finance for you. Our aim is to secure the best deal you are eligible for from our panel of lenders. Lenders may pay a fixed commission to us for introducing you to them, calculated by reference to the vehicle model or amount you borrow. Different lenders may pay different commissions for such introductions, and Volkswagen Financial Services also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. But any such amounts they and other lenders pay us will not affect the amounts you pay under your finance agreement, all of which are set by the lender concerned. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms, and conditions apply, UK residents only, 18’s or over. Guarantees may be required.

What To Do If You Have A Complaint

Lightcliffe Skoda Warrington are an appointed representative of Automotive Compliance who are authorised and regulated by the FCA firm number 497010

Regulated Complaints Post: Automotive Compliance Ltd, The Factory, 44 Alfred Street, Gloucester, GL1 4DD Telephone: 01452671560 E-mail:
Financial Ombudsman Service, the following information must also be added to this page: If we cannot resolve your complaint within 8 weeks, you may refer your dispute to the Financial Ombudsman Service. This service is free to use. Their consumer helpline is available on 0800 023 4567 or 0300 123 9123 or you can visit their website at