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Renault Finance

We have a flexible and convenient range of finance options.
: All of our sales team are FSA approved and therefore able to give advice on a range of financial products including:

• Hire purchase
• Contract hire
• Lease purchase
• Personal loans
• Payment protection
• Gap/rti insurance

Adjust your finance to meet your needs...

At Renault we've made finance as simple, flexible and convenient as possible. Now you're in control, allowing you to balance out your payments in a way that best suits your circumstances. To understand how it works, consider the three basic elements:

Deposit payment          Monthly payment          Final payment

Renault Selections

Overview Renault Selections is a tried and tested means of financing your new Renault. We give you a guarantee of the minimum your Renault will be worth in 2 or 3 years' time. We call it the minimum future value, which represents the Optional Final Payment. During your Renault Selections agreement, your payments are calculated on the difference between the price of the new Renault, less your deposit and the Optional Final Payment, plus any interest. The rate is 9.9% APR typical.

Choose your finance agreement

Choice at the start of your finance agreement
When you buy a Renault, you choose the colour, engine size, wheels, cd player, air conditioning and many other options. You make it the Renault you want. With Renault Selections, we've applied the same common sense approach to vehicle finance.

Choose how much you want to pay
If you choose to make a smaller payment, you'll need to pay a higher deposit. However, if you can afford a larger amount the deposit may be lower.

Or choose your deposit
Give us an idea of what you would like to put down as a deposit*. The more you put down, the lower your payments will be.

Choose any term up to 3 years
You decide what term suits you, choose any term between 2 and 3 years.

And choose your mileage
Have a think about the mileage you do in a typical year - it can be any mileage between 8,000 and 35,000 miles**. Let us know and it will help us set a level of payment to suit you.

Choose to protect your payments
With payment protection cover you can choose to protect your payments, which could give you peace of mind. The rate is 9.9% APR typical.
* A minimum and maximum may apply ** Mileage options available in 1,000 mile increments Mileage chosen could affect the Optional Final Payment

End of your agreement

You also get three choices at the end of your Renault Selections agreement:

1. Drive away a new Renault If the vehicle is worth more than the Optional Final Payment, you could use the difference towards the deposit on your new Renault - this means you could drive away a new Renault every 2 or 3 years*! * Subject to status
2. Or return your Renault Simply return your Renault in good condition and pay nothing, subject to return conditions.
3. Or keep your Renault Simply pay us the Optional Final Payment and the vehicle is yours to keep for as long as you like.

Renault Selections - Benefits

Your Renault, your guarantee

Renault Finance guarantee the future value of your Renault
With Renault Selections we guarantee the minimum value of your Renault at the end of the agreement*. Think about it for a moment - what else can you get in life with a guarantee like this?

You won't get this guarantee if you buy your Renault for cash or if you take out a loan or standard hire purchase agreement.

With cash or standard hire purchase you often end up keeping your car longer than you might want to, and that is when vehicle ownership can become more costly. Tyres, exhaust systems, batteries - nothing lasts forever.

With Renault Selections you could avoid these problems because the minimum value of your Renault is guaranteed. At the end of the agreement, if the market value of your car is more than the Optional Final Payment, you could put the difference towards the deposit on your next brand new Renault.

So you can continue to enjoy that new Renault feeling - again and again.

* Subject to agreed mileage not being exceeded, excess mileage charge will be applied if vehicle is returned over agreed mileage

Protect your payments and your Renault

With so many uncertainties in life, it's always good to prepare for the unexpected. Renault Finance have insurance products that could protect your finance, should you find yourself unable to work through accident or sickness, unemployment or bankruptcy.

Renault Finance have two great ways to make sure you don't lose out if your car is stolen and not recovered or written-off in an accident. Both Return to Purchase Price and Shortfall GAP could protect you from losing out against a lower insurance company valuation of your vehicle. Please ask for more details.

Renault Payment Protection

Important Information

Renault Hire Purchase Overview

Traditional vehicle finance

Spread the cost of your vehicle and make life easier for yourself.

A typical Renault Hire Purchase customer

There are all sorts of ways to pay for the car you choose. Renault Hire Purchase is just one. It is simple and quick to put in place.

Our customers come from all kinds of backgrounds. All are looking to make sure they get the most car for their budget. All need the car now, but would prefer to spread the cost of owning a vehicle. Our typical Renault hire purchase customer:

• Wants to retain ownership of the vehicle.
• Is unsure of how long they wish to keep it.
• Would like to maintain their security by holding onto their savings or have the money available for other exciting plans such as holidays.

If this sounds like you then chances are you are on the right track.

Flexible and fixed to suit your budget

With Renault Hire Purchase you know exactly what the future holds because you set-up everything when you buy the car. And it doesn't change.

• Flexible initial outlay - You can choose to pay any amount from as little as £99 as your initial deposit.
• Fixed repayments - At the beginning of the agreement, both the amount you will pay, and the repayment period, is fixed and will not change.
• Fixed interest - Even if other interest rates go up, the interest rate on your finance repayments will not be affected.
• Flexible payment terms - You choose the length of the repayment period to suit your lifestyle, usually somewhere between 1 and 5 years, it's entirely up to you. The idea is to adjust the payment to what you can afford.

The rate is 8.2% APR typical.

Renault Hire Purchase Further Benefits

You may be able to go that little further

Because you can set your repayments at a level that suits you best, you may find you can afford a more expensive car than you anticipated. A higher specified model or further options may well become a possibility.

Your Renault Dealer will provide you with all the assistance you need to maximise the vehicle you can get based on your budget.

The rate is 0% APR typical.

It's quick and convenient

All arrangements and documentation for your Renault Hire Purchase agreement could be established from the comfort of your nearest dealership, saving you time and energy.

Protect your payments and your Renault

With so many uncertainties in life, it's always good to prepare for the unexpected. Renault Finance have insurance products that could protect your finance, should you find yourself unable to work through accident or sickness, unemployment or bankruptcy.

Renault Finance have two great ways to make sure you don't lose out if your car is stolen and not recovered or written-off in an accident. Both Return to Purchase Price and Shortfall GAP could protect you from losing out against a lower insurance company valuation of your vehicle.

Please ask for more details.

Renault Finance Protection

With so many uncertainties in life, it's always a good thing to prepare for the unexpected. If, for example, you were to find yourself unable to work through illness, the one thing you shouldn't have to worry about is finding the money for your finance payments. It's worthwhile remembering that problems can affect your whole family too.

We are authorised and regulated by the Financial Services Authority for insurance mediation activities.

Renault Payment Protection

Renault Payment Protection may give you added peace of mind. Simply choose the right level of protection and you may not need worry again. We have a level of cover to suit everyone, whether employed or self-employed.

The table below demonstrates the features of Renault Payment Protection*

	Plan 1	Plan 2	Plan 3	Plan 4
Life and Critical Illness	X	X	X	X
Accident and Sickness	-	X	-	X
Unemployment	-	-	X	X
Carer	-	-	X	X
Optional Final Payment (cover on Life and Critical Illness)	X	X	X	X

Choose the cover that suits you best

If something should happen to you, Renault Payment Protection may take the financial burden away.

Plan 1 - Life & Critical Illness

Plan 2 - Life & Critical Illness, Accident & Sickness

Plan 3 - Life & Critical Illness, Unemployment and Carer Cover

Plan 4 - Life & Critical Illness, Accident & Sickness, Unemployment and Carer Cover

Renault Payment Protection in detail

Life & Critical Illness Cover

The outstanding balance could be paid in the event of your death or date of your illness diagnosis.

• If you take Plan 1 with Renault Selections this will include the Optional Final Payment.
• There is a maximum payment of £50,000.

Accident and Sickness Cover

• One monthly benefit will be paid to you after 14 consecutive days off sick.
• Further monthly instalments will be made for each complete 30-day period thereafter until you return to work, or 24 monthly instalments have been made or the agreement expires, whichever is sooner.
• The maximum payment is £1,500 per month for all current agreements. No benefit shall be payable in respect of any balloon or Optional Final Payment.
• There is a maximum of 24 monthly payments for any one claim.

Unemployment Cover

• After 30 days of unemployment one monthly installment is made.
• Further monthly instalments will be made for each complete 30-day period thereafter until you return to work. Or 12 monthly instalments have been made or the agreement expires, whichever is sooner.
• The maximum payment is £1,500 per month for all current agreements. No benefit shall be payable in respect of any balloon or Optional Final Payment.
• There is a maximum of 24 monthly payments for all claims but only 12 for a single unemployment claim, or the agreement expires 1st, whichever is sooner.

Financial Insolvency/Bankruptcy

• This cover is specifically for the self-employed.
• Benefits and level of cover are the same as detailed under ‘Unemployment Cover’.

Carer Cover

• Carer cover is an extension of unemployment insurance.
• If your work ceases due to the need for you to become a carer for a relative, after 30 days of unemployment, we will pay an amount equal to 12 monthly payments.
• The maximum payment is £1,500 per month or the remaining monthly payments due until the policy end date, whichever is lesser.

Significant Exclusions

• Death or disability resulting from a pre-existing or chronic medical condition.
• Mental or nervous disorder (e.g. depression) or stress related conditions (unless there is supportive medical evidence).
• Backache and related conditions without radiological evidence.
• Unemployment which is voluntary or results from your misconduct.
• Unemployment that you are aware of at the start of cover or that occurs or is notified

Important Information

The Small Print

Finance is subject to status and applies to selected vehicles ordered and registered by 30th September 2007. The CO2 emissions on Renault cars ranges from 115 to 289 (g/km) and the combined fuel consumption on Renault cars ranges from 23.2 to 65.7 (mpg). All offers and prices are subject to change without notice. Please confirm prices with your dealer. Display models shown. Not actual vehicle. Separate terms available for Northern Ireland. Finance provided by RCI Financial Services Ltd,PO Box 493, Watford, WD17 1FJ. RCI Financial Services Limited is authorised and regulated by the Financial Services Authority. RCI Financial Services Limited is a member of the Finance & Leasing Association and the BVRLA (BVRLA membership number 191). Advertising by Renault UK Ltd (No.82932), Rivers Office Park, Denham Way, Rickmansworth, Herts, WD3 9YS.