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Morgan Finance

We Don’t Believe in the Unattainable

At Williams Morgan, we believe that owning a Morgan shouldn’t just be a dream—it should be an experience within reach. That’s why we work closely with Morgan Finance to provide flexible and competitive finance solutions tailored to your individual needs.

Whether you’re considering your first Morgan or adding to your collection, our team is here to help make the process smooth, transparent, and personal. We take the time to understand your requirements and lifestyle, crafting bespoke finance packages designed around you—from traditional Hire Purchase options to more flexible Personal Contract Purchase (PCP) plans.

Let us help you take the next step toward the open road in a handcrafted British icon.

Contact Williams Morgan today for a personalised finance example and discover just how attainable your dream Morgan can be.

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PCP Representative Example

PERSONAL CONTRACT PURCHASE (PCP) EXPLAINED

Your chosen contract term and mileage will be used to calculate the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your contract term and provide you with an Optional Final Payment amount. The GMFV determines that at the end of your agreement your vehicle will have a value at least equal to the GMFV.

Your deposit amount is deducted from the price of your Morgan, you make regular payments based on the amount of credit plus the interest. The interest is calculated on the vehicle price less the deposit.

At the end of the agreement, you just have to choose from one of the following options:

  • Renew your Morgan – if you settle your existing finance agreement you are free to part exchange the vehicle for a new Morgan. Please note, any new finance agreements are subject to status.
  • Retain your Morgan – to keep your current Morgan at the end of the agreement, you only need pay the optional final payment.
  • Return your Morgan – you can return the vehicle and do not pay the Optional Final Payment. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply. As long as the vehicle is in good condition and has not exceeded the maximum agreed mileage you will have nothing further to pay.

KEY FEATURES

  • Personal Contract Purchase (PCP) may be right for you if you would like to keep monthly payments as low as possible.
  • With PCP, you can decide how much deposit to pay up front (subject to a minimum).
  • PCP gives you clear options at the end of the agreement, this gives flexibility.
  • The Guaranteed Minimum Future Value (GMFV) is set for your vehicle as part of PCP, this protects you against any unexpected reduction in the used car market.
  • PCP could allow you to drive a new Morgan after your agreement by entering a new PCP agreement on the latest model.

Please note:

  • You will not own the vehicle until all of the payments and interest have been paid. After that, you will own the vehicle outright.
  • You must have fully comprehensive insurance for the duration of the agreement.
  • Credit is subject to status and is only available to UK residents aged 18 and over.
  • Your vehicle is at risk of repossession if you do not maintain contractual repayments.

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APP Representative Example

ADVANCE PAYMENT PLAN (APP) EXPLAINED

Your chosen contract term and mileage will be used to calculate the Guaranteed Minimum Future Value (GMFV) of your vehicle at the end of your contract term and provide you with an Optional Final Payment amount. The GMFV determines that at the end of your agreement your vehicle will have a value at least equal to the GMFV.

The Optional Final Payment is deducted from the price of your vehicle; you simply pay the remaining balance (plus any interest) as a single up-front payment, this is the Advance Payment.

At the end of the agreement, you just have to choose from one of the following options:

  • Renew your Morgan – Choose a new vehicle from your Morgan dealer and use any excess value over the Optional Final Payment towards your deposit. You can trade in your old vehicle or sell it privately.
  • Retain your Morgan – to keep your current Morgan at the end of the agreement, you only need pay the optional final payment.
  • Return your Morgan – you can return the vehicle and do not pay the Optional Final Payment. If the vehicle has exceeded the maximum agreed mileage a charge for excess mileage will apply. As long as the vehicle is in good condition and has not exceeded the maximum agreed mileage you will have nothing further to pay.

KEY FEATURES

  • Advance Payment Plan (APP) may be right for you if you were planning to pay for your vehicle outright. By deferring part of the initial outlay until the end of the agreement term there is less to pay today.
  • Less to pay today equals more spending power. Why not upgrade to a higher specification or higher value model?
  • APP provides an opportunity to retain savings in personal investments.
  • No monthly payments.
  • The Optional Final Payment protects you against any potential fall in used vehicle values.
  • With a 12-month term you can be driving a new vehicle more often, meaning the servicing and maintenance costs may be reduced.
  • Flexibility – you choose the annual mileage to suit your needs; and at the end of your agreement you choose which of the three options is right for you.

Please note:

Changing the term or the annual mileage may increase the APR.

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Williams Automobiles are authorised and regulated by the Financial Conduct Authority under reference number 684404. Finance Subject to status. Other offers may be available but cannot be used in conjunction with this offer. We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. We are only able to offer finance products from these providers.