Flexible car finance
Most of our customers spread the cost. We work with a panel of lenders and will explain the options in plain terms, including what each one costs you overall.
Your options
Hire Purchase (HP)
A deposit followed by fixed monthly payments across the term. The car is yours outright once the final payment is made. Straightforward, and usually the cheapest way to own the car at the end.
Personal Contract Purchase (PCP)
Lower monthly payments, with a larger optional final payment if you want to keep the car. At the end you can pay it, part exchange, or hand the car back subject to mileage and condition.
Part exchange
Your current car can go towards the deposit. We will value it while you view, and settle any outstanding finance directly with your lender.
How it works
01
Choose your car
Pick a vehicle from our stock, or tell us what you are looking for.
02
Tell us your budget
Deposit, monthly figure and term. We will show you what is realistic.
03
We approach lenders
We submit to a panel of lenders and come back with the options available.
04
Sign and collect
Documents are signed electronically and the car is prepared for collection or delivery.
Common questions
Will applying affect my credit score?
An initial eligibility check is normally a soft search that is not visible to other lenders. A full application involves a hard search that is recorded on your credit file. We will always tell you which stage you are at before proceeding.
Can I settle the agreement early?
Yes. You can request a settlement figure from your lender at any point. The amount is calculated under the Consumer Credit Act and may include a small amount of interest beyond the settlement date.
Do you charge an admin fee?
No. The advertised price of the car is the price you pay, whether you finance it or not. Lenders may apply their own fees, which will be shown clearly in your agreement before you sign.
What documents do I need?
A valid UK driving licence, proof of address and recent proof of income. Lenders may ask for bank statements depending on your circumstances.
Can I get finance with a poor credit history?
Sometimes. Our lender panel includes providers who consider a wider range of circumstances, though a larger deposit is often required. We cannot guarantee acceptance — that decision sits with the lender.
Regulatory information
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