Hire Purchase
Spread the cost. When the last payment clears, the car is yours.
- A deposit, then fixed monthly payments
- No mileage limits
- Ownership
- Transfers to you with the final payment.
- At the end
- Nothing to decide — the car is yours.
Finance
One of the ways you can pay. Here is how the three options work.
Your options
Personal Contract Purchase
Lower monthly payments. Part of the car's value waits until the end.
- A guaranteed minimum future value is agreed up front
- Part-exchange protection
- Ownership
- Stays with the lender until you settle the final payment.
- At the end
- Pay the final payment and keep it. Or return it. Or put any equity towards your next car.
Personal Loan
An unsecured loan buys the car outright, so the finance sits separately from the vehicle.
- You own the car immediately
- No mileage restrictions
- Ownership
- Yours from the moment you buy.
- At the end
- The loan simply ends — there is no final balloon payment.
Plain English
The terms you’ll see in any quote
Figures depend on the car, your deposit, the term and the lender. So we don’t quote them here.
- Deposit
- What you put down at the start. A part exchange can count towards it.
- Term
- How long the agreement runs. A longer term means smaller payments, but costs more overall.
- Monthly payment
- The fixed amount you pay each month.
- Final payment
- PCP only. The part left until the end, due if you keep the car.
Get started
Tell us what works for you
Tell us the car and roughly what you’d like to pay. No credit check. Nothing is applied for without your say-so.
Other ways to pay
Bank transfer · Debit card · Credit card · Cash · Finance · Part exchange plus the balance
Does sending a finance enquiry affect my credit score?
No. The form just tells us what you're looking for. Any finance application is a separate step, and you agree to it first.
Can my part exchange go towards a finance deposit?
Yes. It can go towards your deposit, or straight off the price if you're paying another way.