Our Finance Options
Hire Purchase (HP):
This option secures the finance against the vehicle. You become the legal owner after completing the agreement and paying an 'Option to Purchase' fee. A deposit may be required, but there are typically no annual mileage restrictions.
Personal Contract Purchase (PCP):
Like HP, the loan is secured against the vehicle.
At the end of the term, you can choose to return the car, use any positive equity towards a new deal, or pay a balloon payment to purchase the car.
Monthly payments are often lower than with HP, though annual mileage limits may apply.
Personal Loan:
You receive the full amount upfront to purchase the car outright. You’ll repay the loan in fixed monthly instalments.
Although the payments may be higher, there are no usage restrictions, and you can sell the vehicle at any time, even before the loan term ends.
Eligibility Criteria
To apply for a finance quote with us, you must:
- Be over 18 years of age
- Hold a valid UK driving licence
- Have been a UK resident for at least 3 years
- Have a regular source of income
