Looking to sell your car? We buy any car too. Find out how much your car’s worth in an instant.

Swap your old car for new in one easy transaction. See how much your car’s worth online.

Use our finance calculator to work out your monthly payments, based on our HP finance product. Work out your eligibility too, without affecting your credit score.

PCP Finance

Discover Personal Contract Purchase, the finance product designed to reduce your monthly payments, with an option for ownership at the end of your term.

HP Finance

If car ownership is important to you, you may prefer our HP finance product. With no mileage limits or optional final payments, our HP finance product is quick and easy.

90 Day Warranty

Find out how our standard 90-day warranty gives you peace of mind, as soon as you leave one of our forecourts.

Extended Warranty

Extend the protection provided by our standard warranty to give you cover as your car’s age and mileage increases over time.

GardX Protect

Keep your car looking ship shape with our GardX Protect product. Maintain your car’s paint, upholstery and leather in one application.

SMART Protect

Scuffs, scrapes damage and dents. It happens to the best of us. Protect yourself with our SMART Protect product and we’ll cover the costs for minor repairs.

BIG Asset Protection

Financially protect yourself against theft and insurance write-offs with our Big Asset Protection insurance; returning the original invoiced cost in the event of a total loss.

BIG on Value

Save BIG with below market prices that are completely haggle-free. We check leading car marketplaces daily to ensure our cars always come out on top.

BIG on Choice

Why visit 4 dealerships, when you could visit just 1? We stock thousands of cars from the UK’s favourite car brands so you can do all your car shopping under one roof.

BIG on Quality

We don’t take half measures when it comes to ensuring the highest quality standards are met and that’s why our cars undergo a thorough 200-point check before ever reaching the forecourt.

BIG on Awards

Each year, we’ve been recognised by leading automotive publications for the service we provide to our customers. Check out the latest award wins added to our trophy cabinet.

BIG on Service

We like to do the running around for you. Find out more about the service you can expect when you visit one of Big Motoring World’s car supermarkets.

BIG News

Peterborough Recruitment Day - 30th May ...

Now open – our Peterborough Fengate ...

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Big Motoring World Winter Sale Is Here

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Car Reviews

Five things you need to know about the Ford EcoSport

Five things you need to know about the Mercedes SLK/SLC

Five things you need to know about the BMW 7-Series

Five things you need to know about the Audi TT

Five things you need to know about the BMW X6

FAQs

Can I drive away on the same day?

Yes. All of our vehicles are prepped and ready to drive away on the same day.

What do I need to bring when buying a car?

Can I pay with cash?

We accept a maximum of £500 cash. Outstanding balances must be paid via debit card or bank transfer.

West Malling

Located in the heart of Kent, our West Malling dealership stocks more of your family friendly cars from brands such as Ford, Nissan, Vauxhall, Volkswagen and much more.

Blue Bell Hill

Found just off of the M2, you’ll find our 1000 car flagship dealership. Here we have an extensive range of prestige car models from brands such as BMW, Mercedes-Benz, Land Rover and Jaguar.

Enfield

Our north London dealership has the best both worlds, stocking a wide range of German car brands, family cars and your smaller city cars, all under one roof.

Peterborough Fengate

Find over 400 quality used cars at our Peterborough Fengate used car dealership, accessible just off the A1139.

Peterborough Werrington

Found just off the A47, You’ll find a vast range of prestige German car brands, along with other luxury brands that include Land Rover and Jaguar.

Aftersales Centre

Our Snodland Aftersales centre is the home to our Big Assist team who help our customers with any queries they may have. Our workshop and courtesy car fleet are on hand, should you need us.

01634 248638

PCP Car Finance

Learn more about PCP car finance, so you can decide if it's right for you.

Why choose PCP?

Here's some of the reasons PCP may be right for you

Lower monthly payments

More flash for you cash

Flexible ownership options

Flexible loan terms

Low deposit options

What is PCP finance?

Personal Contract Purchase (PCP) is a flexible finance product that includes an optional final payment at the end of the agreement. By deferring part of the optional finance balance, you’ll benefit from lower monthly payments throughout your contract term, meaning you’ll be able to afford a better spec or newer vehicle for your monthly budget.

Because part of the balance is deferred to the end of the initial agreement term, the contract will stipulate an annual mileage allowance and will make assumptions based on the condition of the vehicle to build what’s known as the “optional final payment” (this is based on what the car is estimated to be worth at the end of the initial agreement).

This payment is completely optional and the key is that you have options at the end of your initial term. You may decide to keep your car and pay the optional final balance in full, you may decide to keep your car and refinance the final balance or you may decide to return the car and change into a newer vehicle. Learn more about PCP finance below, to see if it’s right for you.

Why we love PCP

If having low monthly payments and flexible ownership options sound great to you,
then PCP may be right up your street.

Flexible ownership options

PCP finance is great when it comes to flexibility. Every part of a PCP finance package is flexible including the initial deposit, the monthly payments and the optional final payment.

The monthly payments you make can be adjusted as you increase or decrease the term of the contract and the mileage allowance you opt for. These are both however set from the outset of the finance agreement and cannot be changed after your contract commences.

When your contract comes to an end, you’ll have an optional final payment that’s based on your car’s Guaranteed Minimum Future Value (GMFV). Again, you’ll have flexibility here and can decide to keep the car (whilst paying or financing the final payment) or return the car so you can buy something new.

More flash for your cash

As PCP finance works by deferring part of the finance balance to the optional final payment, you’ll find that your monthly payments will be lower. This will open up higher vehicle specifications and more prestigious marques to you, as these cars tend to have better residual values.

Combined with our below-market priced vehicles, you’ll be able to get more flash for the same amount of cash.

Start your car search with Big Motoring World today.

FAQs

The Guaranteed Minimum Future Value (GMFV), also called the “Guaranted Future Value (GFV)” or “Residual Value (RV)” is the value that our finance providers will guarantee your car will be worth at the end of your PCP finance contract, subject to certain conditions. It is influenced mainly by the mileage of the vehicle, but can also be affected by the bodywork condition and upkeep of service schedules. When you reach the end of your finance agreement, you’ll have the option to pay off this value and keep the car, or return the car back to the finance company. Either way, your finance balance will be fully settled. If the car is estimated to be worth less than the GMFV at the end of your agreement, and you have kept within the agreed mileage limits and not incurred damage to the car, then the finance company would need to take this loss, as the value is guaranteed by them.

When your PCP contract comes to an end, you’ll have 3 options for next steps. 1) You may decide to return the car to avoid paying the optional final payment. 2) You may decide to pay the optional final payment in full. 3) You may decide to finance the balance of the optional final payment and keep the car.

If you tend to change your car every 2-4 years, then PCP will be a cost-effective way to finance your car purchase. If however, you’d prefer to keep hold of your car, it may be better to consider hire purchase options.

You’ll need to bring a number of documents with you to apply for finance. This includes your driving licence, a passport (as a secondary form of ID), a recent bank statement (issued within the last 3 months), a recent utility bill (issued within the last 3 months) and your bank details (including your name, account number and sort code).

01634 248638

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Total cash price £12,000. Borrowing £9,600 with a £2,400 deposit at a representative APR of 12.9%.

£200.84

12.18%

£10

£3,284

£9,600

£3,314.32

10,000 miles

Registered office address: Lakeside services, Sturry Road, Canterbury, Kent, CT1 1DS. VAT No: 812 457 050. Bapchild Motoring World (Kent) Ltd is authorised and regulated by the Financial Conduct Authority, FCA Registered Number 686118. Bapchild Motoring World (Kent) Ltd is a Credit Broker not a Lender. Bapchild Motoring world are an Appointed Representative of AutoProtect (MBI) Limited which is authorised and regulated by the Financial Conduct Authority for Insurance Distribution. (Firm Reference Number 312143).

You can check on the FCA's Register by visiting the FCA website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. We may receive a fixed fee or fixed % of commission from a lender for introducing you to them, calculated by reference to the vehicle model, product or amount you borrow.Different lenders may pay different commissions for such introductions, however, any such amount a lender pays us will not affect the interest rate you pay under your finance agreement, all of which are set by the lender concerned.Blackhorse Limited also provide preferential rates to us for the funding of our vehicle stock.

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