Hire Purchase provides a straightforward route to owning a car, with fixed monthly payments over a period of 3 to 5 years. Once all payments, including any additional charges, are made, the car is yours to keep.
An initial deposit is generally required, though some deals offer a zero-deposit option. HP is ideal for those looking to eventually own their car while enjoying the stability of predictable monthly payments.
However, if you're someone who likes to change cars frequently, HP might not be the best option. You’ll need to settle the agreement in full, either by paying off the remaining balance or part-exchanging the vehicle.
Enjoy consistent monthly payments with no unexpected costs throughout the term of the agreement.
Once the final payment is made, the vehicle becomes yours to own, outright.
If you want to switch cars before the end of your term, you’ll need to pay off the remaining balance in full or part-exchange.
Some plans let you drive off with minimal or no initial payment required, depending on the promotion.
We believe everyone should have the opportunity to drive the car they love without the burden of hefty upfront payments. Our custom financing options make it simple and affordable to take the wheel. Whether it's your first car or an upgrade, we’ll help you find a plan that works for your budget.
Drive the car you want without breaking the bank—flexible payments that fit your needs.
Choose a plan that works for your lifestyle, not the other way around.
Drive away in no time with streamlined approval processes and minimal paperwork.
Transparency is key—no hidden charges, just honest and clear pricing.
PCP offers a flexible way to finance a pre-owned vehicle, with lower monthly payments by deferring part of the car's value until the end of the agreement. Once your PCP term is complete, you’ll have three choices:
PCP is perfect for those looking for affordable monthly payments and the flexibility to change cars every few years. However, if owning the car outright is your priority, this might not be the best choice, as you won’t fully own it until the last payment. Additionally, returning the car may come with additional fees for excess mileage or wear and tear.
Conditional Sale (CS) is a straightforward car finance option that lets you purchase a vehicle with fixed monthly payments. You make an initial deposit, then pay off the remaining balance, including interest, over a set period.
With CS, the lender buys the car on your behalf, and you repay them in manageable installments. Unlike Hire Purchase, there’s no balloon payment at the end — ownership is automatically transferred to you once all payments have been made.
CS is flexible and can be tailored to your budget, allowing you to adjust the deposit amount and the loan term. It’s a simple and transparent way to own a car without the need for a large upfront cost or hidden fees.
