Finance options

Apr 23, 2018

Low interest rates and flexible options mean that we can offer personalised finance packages with affordable monthly instalments from our panel of lenders.

You can adjust your deposit (in some cases it's not needed), the length of the agreement, and any mileage limit to find a repayment that suits you. Here are the most popular ways of spreading the cost of your next car:

  

Personal Contract Purchase (PCP)

The most popular type of car finance offers low monthly repayments for new or used vehicles because they don’t cover the full cost of the car. 

At the end, you can hand the car back with nothing more to pay. If you want to keep it, then you can refinance or buy it for a one-off fee. There’s often another option to trade the car in, which can cover the deposit on a new PCP agreement for another vehicle. Read more

 

       

  

Hire Purchase (HP)

HP agreements split the cost of a new or used car into a series of monthly instalments. Once you’ve made the final payment, then the car is yours. Because the payments cover the full price, they are usually higher than on PCP finance. Read more

 

  

     

Leasing (PCH)

Leasing often offers the cheapest way of driving a brand new car because it’s a long-term form of car rental.

After an initial payment, you make a series of fixed monthly instalments. At the end, you hand the car back, without any guaranteed option to buy the car. Read more

 

 

   

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