Start by using our online finance calculator to select the option that best suits your needs, such as Personal Contract Purchase (PCP) or Hire Purchase (HP). After choosing your finance option, complete the simple online application form. You’ll receive a decision swiftly. Once approved, we coordinate with your chosen dealership to prepare your new car for collection.

• Personal Contract Purchase (PCP): You make an initial deposit, followed by monthly payments over a set term. At the end of the term, you can either return the car, make a final payment to keep it, or trade it in.
• Hire Purchase (HP): Similar to PCP, but at the end of your payments, you own the car outright, with the option to trade it in for a new model.

APR, or Annual Percentage Rate, represents the total cost of borrowing over one year, which includes any fees and interest.

• Residual Value: The expected resale value of your vehicle at the end of your finance agreement.
• Guaranteed Future Value (GFV): The pre-determined value of your vehicle at the end of the agreement, should you decide to return it.

Mileage allowance is the total number of miles you are permitted to drive annually under your finance agreement.

Getting approved can be straightforward if you provide accurate, up-to-date details, understand your credit score, and meet the eligibility criteria of the finance company.

A settlement figure is the total amount owed, including any interest and fees, if you decide to pay off your finance early. Our calculator helps estimate this figure but doesn’t include potential penalty charges.

It’s wise to get a quote from the dealer and compare it with what we offer. Consider both the APR and any commission paid to the dealer during your comparison. See our Finance Commission Disclosure.

You can purchase a new or used vehicle from any franchised dealership in the UK. If you’re considering a vehicle from a used car dealer, provide us with the dealer’s details, and we’ll see how we can assist. Note, we do not finance vehicles bought from private sellers.

The deposit for car finance can vary. However, we will consider no deposit.

You can use our online calculator to get a quote in less than 30 seconds.

Yes, you could get an answer within minutes.

Financing a vehicle allows you to spread the purchase cost over time, making it more affordable in the short term. It also helps preserve your savings and offers the flexibility to invest your money elsewhere.

Yes, no problem.

You may be able to request changes to your car finance agreement terms after signing, subject to lender approval. Possible changes include extending the loan term, adjusting the repayment schedule, or refinancing the loan.