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Used Car Low Monthly Payment Deals Have a 3 or 4 year deal (many with warranty included for the term)
Then either return or pay the low optional final payment and own

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Leasing/PCP at Clock Garage Chorley


Here at Clock Garage we have put together a very attractive package that helps take some of the worry and uncertainty out of motoring. This has proved a huge success, with customers coming from all over the country to take advantage of our unique low monthly payment deals.
We offer used vehicles (mainly up to 4 years old) on a low APR Personal Contract Plan over 3 or 4 years and the majority of deals have an insurance backed parts and labour warranty included for the term of the agreement. As our examples show these can be had on a low deposit (larger deposits can be used to lower the monthly payments if required, use our online calculator to fully tailor a quote) so customers can drive away a new car very easily with minimal outlay, then just pay a low fixed monthly payment safe in the knowledge that their car is covered by a warranty for the term of the agreement (terms and conditions apply please see our warranty page for more information). At the end of the agreement either return the car or buy it for a low fixed optional final payment. No need to worry about how much the car has depreciated or negative equity at the end of the agreement, as you can just hand the car back. (subject to terms and conditions, please see below)
Very simple and flexible.

  • PART EXCHANGE WELCOMED and this can be used to reduce the payments or even to have cash back out of the deal
  • A low fixed monthly payment. 
  • Have another car every 3 or 4 years.
  • A very flexible way to have your next car.
  • We can find the right car and the right deal for you and if we dont have the car you would like in stock we can probably get it for you.
  • On our used car Personal Contract Plan or Hire Purchase deals no VAT is added to the monthly payments.
  • Collection in one visit. Simply sign the agreement and drive your new car away. (Pre approval required, customers can fully tailor quotes themselves through our online calculator then simply click a button to apply online for and instant desicion.

Clock Garage conducts a thorough check of your vehicle before you collect, in many cases carrying out a service, fitting timing belts and booking vehicles out for an independent MOT when necessary. (subject to manufacturers recommendations)

So why Clock Garage's low monthly payment deals?

Our low monthly payment deals are a way of driving the car of your dreams, with a low deposit down (higher deposits can be used) and a low monthly payment, peace of mind that the majority of our cars are still covered by manufacturers warranty (or come with a parts and labour warranty included, many for the term of the agreement) Its a very easy and flexible way to acquire your new vehicle.

And we would of course hope that customers would have been so pleased with the car and the service they received that they would just keep coming back and simply returning their old car and having another new one off us.

Our mileage limits are usually generous but higher mileages can usually be accommodated, please ask for quotes.

Part exchange is welcomed and we will take anything in. From a car with only scrap value to a more expensive car where we can return you any surplus cash.

You can also use larger deposits or the value in your part exchange to reduce your monthly payments. 
Please see individual cars for exact deal.

We can tailor any deal to suit you

We have access to many more vehicles and if we don’t have what you are looking for please let us know and we will do our best to source it for you.

INTERESTED? Use our online calculator to tailor a quote and apply online for an instant desicion and have the deal pre-approved before you visit us.

All our stock is also available for outright purchase or a range of other finance products.

Other types of deals offered by Clock Garage


The most popular choice for VAT - registered and non VAT - registered companies that want minimum outlay and maximum control of costs, especially when the maintenance and relief vehicle options are included. With this VAT - beneficial financing package, one regular rental payment covers all risks, including costs of depreciation and disposal, for an agreed period of time and mileage. Maintenance can also be included and added to the monthly rental.

The benefits of Contract Hire

  • Up to 100% tax deductable depending on cost of vehicle
  • Low initial outlay
  • Flexible contracts
  • No residual risk
  • No disposal issues
  • Optional relief vehicle whilst yours is off the road
  • Capital not tied up in a depreciating assetOff-balance sheet borrowing/accounting
  • Fixed cost and optional maintenance
  • VAT on rentals reclaimable


Essentially the same agreement as contract hire but it is exclusively available to private individuals.
It is the most common form of car leasing and is usually the one that is closest to the term of car leasing.
With PCH you take control of the vehicle for a contractual period of time. Though you have the car for this period of time, you are not classed as the owner. You make fixed monthly payments and when the lease period is over you simply return the vehicle at the end.

The benefits of Personal Contract Hire:

Fixed Prices - You can lease both new and used vehicles for a fixed price and not have to worry about extra charges.

Low Initial Payment - Deposits are typically three monthly payments or in our case can be zero.

No Depreciation Concerns - You don't have to sell the car at the end so depreciation isn't your concern.

Access to better vehicles - When you lease a vehicle your budget can stretch much further.


A large amount of our Custom is from previous Customers returning due to our attention to detail and overall customer care. With this in mind, we offer the following services at greatly reduced rates.

3 or 4 Year Parts and Labour Warranty

Where deals do not include a warranty to cover the term of the lease, customers are able to upgrade to give them full cover throughout. **

This is a very comprehensive warranty that covers the majority of mechanical and electrical components on your vehicle against sudden failure. (subject to terms and conditions)

The retail price of this warranty should be hundreds or possibly thousands depending on the vehicle. But we are able to offer it for just £369 on most vehicles.*** (Please see our warranty page for more information)

Or you can upgrade your claim limit to £2000 per claim for only £129

** Up to 5yrs old or 50,000 miles at time of purchase.
*** A surcharge will be applied to some vehicles such as 4x4 and cars with engine over 3.0 litres.

Terms & Conditions

Clock Garage (Chorley) Ltd. are a credit broker not a lender. Also the return of all cars  on personal contract purchase is subject to customers having taken reasonable care of them. Fair wear and tear for the age and mileage of the vehicle is acceptable. But customers may incur charges if any faults with the car are deemed to be not fair wear and tear or if any documentation such as MOT's, V5C log books, or service books are missing. There may also be charges for missing items such as spare keys or locking wheel nuts. Customers should be aware that if for any reason Clock Garage (Chorley) Ltd. had ceased trading then personal contract vehicles can be returned to the finance company their agreement is with at the end of their agreement.
Customers should be aware that in the event the car is written off that they would be responsible for settling the agreement and for any shortfall between the amount your insurance paid out and the amount outstanding to settle in full.
Please note our used car low payment deals are un-maintained so servicing and other maintenance (non warranty) items are the responsibility of the customer. However we do have special servicing offers for personal contract customers.