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Posted:20 September 2017 | Category: New Car

Can I buy a new Mercedes if I haven't paid off my existing finance deal?

The possible routes to getting the car you want are just as varied as Mercedes cars themselves. Sinclair Mercedes are always able to find you the ideal leasing, financing and insurance solution that will be tailored to your requirements. To that end we aim make your dream of driving your own Mercedes-Benz come true, while you remain fully in control of the financial terms.Mercedes Personal Finance Options

Agility Personal Contract Plan

A flexible method of financing a vehicle over a fixed term: The agreement defers your decision of whether you purchase, hand back or part-exchange your vehicle until the end of your agreement.

At the start of an Agility agreement, you decide an amount you would like to put down as a deposit and decide the term of your agreement as well as your annual mileage. Your Finance Specialist at your local retail site will advise you of the Optional Purchase Payment of your chosen Mercedes-Benz, which offers you the reassurance of knowing exactly what you will need to pay to own the vehicle outright in the future (this is known as the Optional Purchase Payment).

The Optional Purchase Payment helps you guard against the risk of unplanned depreciation and enables you to benefit from lower monthly payments as you are only financing a proportion of the vehicles value.

Throughout your agreement you simply pay your agreed monthly payments.

End of Your Agreement


  • Options Option 1: Purchase your Mercedes-Benz by paying the Optional Purchase Payment and a Purchase Activation Fee of £10. This will complete the purchase of your Mercedes-Benz, leaving you free to simply enjoy your vehicle
  • Option 2: Hand back your vehicle - If you decide to return your vehicle to us, it must be in line with our Vehicle Return Standards, as vehicle condition, excess mileage and other charges may be payable
  • Option 3: Part-Exchange for a new vehicle - Pay the Optional Purchase Payment and Purchase Activation Fee of £10. This will complete the purchase of your vehicle, allowing you to part-exchange for a new Mercedes-Benz

Hire Purchase

A straightforward route to ownership: This is the perfect way to buy a Mercedes-Benz if you want to work your way up to full ownership, spreading the overall cost over a fixed term.

Decide the amount you would like to put down as a deposit on your chosen vehicle and agree the term of your agreement. Then throughout the term of your agreement you pay the regular installments over the agreed term until the remainder of its value is repaid.

At the end of your agreement
Once your final payment is made as well as a nominal 'Option to Purchase Fee' of £10, you will own the vehicle outright.

Personal Operating Lease

A solution for those who want to drive one of our vehicles over a fixed term, with lower monthly rentals and without the worries or commitment of ownership: At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which keeps monthly payments lower.

At the end of your agreement
Simply return the vehicle with nothing more to pay, subject to meeting our Vehicle Return Standards, as vehicle condition, excess mileage and other charges may be payable.

Personal Contract Hire

Enjoy driving a Mercedes-Benz without taking on full ownership: With this option you lease your vehicle for a fixed period and for a fixed monthly rental which also includes the cost of your Road Fund Licence.

At the start of your agreement you pay an advance rental upfront. Your monthly rentals are based on the difference between the initial value of the vehicle and its projected residual value at the end of your agreement. Therefore, only a proportion of the vehicle’s value is repaid, which keeps monthly payments lower.

With a Personal Contract Hire agreement, you can choose from the following maintenance options:


  • No Maintenance
  • Service Only
  • Full Maintenance
  • Full Maintenance with tyres

This means your costs are fixed over the term of the agreement allowing you to budget easier and reducing any unexpected costs.

At the end of your agreement
Simply return the vehicle with nothing more to pay, subject to meeting our Vehicle Return Standards, as vehicle condition, excess mileage and other charges may be payable.

Contact Us

At Sinclair Mercedes we believe a great driving experience should be matched by an equally great ownership experience. That is why we put as much thought, time and effort into designing our finance options as we do our vehicles. For more information about any of our financial options simply contact us today.