Finance Information

Flexible, transparent finance options to help you get behind the wheel sooner. No jargon, no hidden costs.

Personal Contract Purchase (PCP)

Lower monthly payments with the flexibility to change, keep or return the vehicle at the end of the agreement. A popular choice for drivers who like to change their car every few years.

  • Lower monthly payments
  • Flexible end-of-term options
  • Fixed interest rate
  • Optional final balloon payment

Hire Purchase (HP)

A straightforward way to spread the cost. Pay a deposit, then fixed monthly instalments. Once all payments are complete, the vehicle is yours outright.

  • You own the car at the end
  • Fixed monthly payments
  • No mileage restrictions
  • Simple and transparent

Personal Loan

Arrange finance independently through your bank or building society. This means you can purchase the vehicle outright and may be able to negotiate a better cash price.

  • Full ownership from day one
  • No restrictions on the vehicle
  • Shop around for the best rate
  • Complete financial flexibility

Important Things to Know

How does it work?

Once you have found a vehicle you are interested in, get in touch and we will discuss the finance options available to you. We will provide clear monthly payment estimates based on the deposit and term that works best for your budget. There is no obligation and no pressure.

What do I need to apply?

You will typically need to provide proof of identity, proof of address, details of your employment and income, and your bank details. The application process is straightforward and we will guide you through every step.

Is my credit score important?

Your credit history is one factor lenders consider, but it is not the only one. We work with multiple finance partners, so even if your credit is not perfect, there may still be options available to you.

Are the monthly figures on your listings accurate?

The monthly finance estimates shown on vehicle listings are representative figures based on typical terms. Your actual monthly payment may vary depending on your deposit, chosen term and personal circumstances.

Ready to Discuss Finance?

Get in touch for a no-obligation chat about your options.