Buy a Car home page

Motor Finance & Car Loans

LOOKING FOR A GOOD FINANCE DEAL?

Getting a cheap car is one thing, getting a good finance deal is another, but here at buyacar.co.uk you can get both and save yourself even more money.

Although we offers loan & finance service at buyacar, we are happy to accept finance you have found yourself, so this information below is aimed at helping you, whatever choice you make.

finance guy

MOTOR FINANCE AVAILABLE THROUGH BUYACAR

FINANCE TYPES AVAILABLE

Motor car finance is available in four flavours:

  • Personal Contract Purchase (PCP)
  • Hire Purchase (HP)
  • Lease Purchase (LP)
  • Contract Hire (CH)

Each type of finance has its pro’s and con’s in different situations. You need to know which is the right one for you. So we’ve put together a brief summary of when to use one type of finance versus another.

For more detailed information, click on the links below

PERSONAL CONTRACT PURCHASE (PCP)

A very popular choice for motor finance

  • Low monthly payments
  • Optional final payment for ownership of car
  • Ideal if you change your car regularly
Read more about PCP finance

HIRE PURCHASE (HP)

A traditional and straightforward way to finance

  • HP is simply a loan secured against the car
  • No mileage contract
  • Ideal if you want to own the car
Read more about HP finance

LEASE PURCHASE (LP) / CREDIT PURCHASE (CP)

Ideal for the more expensive car

  • Low monthly payments and APR
  • No mileage contract
  • Refinance the Residual Value
Read more about LP finance

CONTRACT HIRE (CH)

Simply hire the vehicle for a contract period

  • No eventual ownership
  • Fixed term rental over a period to suit you
  • Ideal for business
Read more about CH finance

Hopefully this information and the detailed information on the different finance types have helped you determine which finance is right for you.
If not, please feel free to ask for additional information when you call us or make an enquiry.

As you use the buyacar website, you’ll find example monthly PCP figures shown alongside the cost of the vehicles. For more information on the finance options on particular vehicles, select the vehicle you are interested in and follow the finance links from the resulting pages. There you’ll be able to choose different types of finance and vary your options until you determine the finance that’s right for you.

TOP 5 DEALS

The results below show the top deals on buyacar

Ford Fiesta 2.0 ST 3dr Hatchback Ford Fiesta 2.0 ST 3dr Hatchback
ETR Mthly
£204
Saving
£2,130
Price
£11,865
Ford Fiesta 1.25 Studio 3dr Hatchback Ford Fiesta 1.25 Studio 3dr Hatchback
ETR Mthly
£111
Saving
£2,068
Price
£6,777
Vauxhall Astra 1.4i 16V SXi 3dr Hatchback Vauxhall Astra 1.4i 16V SXi 3dr Hatchback
ETR Mthly
£187
Saving
£3,627
Price
£11,133
Fiat Punto Grande 1.2 Active 3dr Hatchback Fiat Punto Grande 1.2 Active 3dr Hatchback
ETR Mthly
£109
Saving
£1,606
Price
£6,949
Ford Fiesta 1.6 Zetec S 3dr Hatchback Ford Fiesta 1.6 Zetec S 3dr Hatchback
ETR Mthly
£148
Saving
£2,859
Price
£9,136

typical 12.18% APR

PCP finance quote over 48 months,  10,000 miles pa,  deposit of £1000

Advertisement
  • Alliance & Leicester's loans

    Alliance & Leicester's LOW LOAN RATES 6.9% APR Typical. Don’t pay more for your loan than you need to - our lowest loan rate is just 6.9% APR Typical for loans £7,500 to £15,000. Choose to pay up to 5 years with fixed monthly payments. Applying is easy and get a fast decision.

HELP AND ADVICE

SiteNav

instructions

CAR FINANCE

FINANCE RANGE

On this page you can find out more about your finance options.

New Car Search

Search by car: by budget: Advanced Search

Call us now

0845 226 0101

Mon to Fri 9am-6pm

Sat & Sun 9-5pm

Mon Closed