The article outlines two car finance options: Personal Contract Purchase (PCP), involving a deposit and monthly payments with options to keep, return, or part-exchange the car; and Hire Purchase (HP), where you pay a deposit and fixed monthly payments to own the car outright, with no balloon payment. Finance applications must be made through their website, using trusted lenders like Black Horse and Evolution Funding.
What finance options are available?
We offer two types of car finance:
✔️ Personal Contract Purchase (PCP)
✔️ Hire Purchase (HP)
❌ We don’t accept finance from outside lenders. All finance applications must be completed through our website so they’re linked to the car you’re buying.
What is Personal Contract Purchase (PCP)?
With PCP, you:
✔️ Pay an initial deposit
✔️ Make monthly payments covering the car’s depreciation over an agreed term
At the end of your agreement, you have three options:
1️⃣ Keep the car – pay the optional final balloon payment
2️⃣ Return the car to the lender – subject to mileage and condition terms
3️⃣ Part‑exchange it for another car
👉 For more information on Personal Contract Purchase (PCP) click here
What is Hire Purchase (HP)?
With HP, you:
✔️ Pay a deposit
✔️ Spread the full cost of the car over fixed monthly payments
✔️ Own the car outright at the end of the term
✅ No balloon payment at the end
📄 You may need to pay a small option to purchase fee – this will be clearly explained in your agreement
👉 For more information on Hire Purchase (HP) click here
Which lenders do you work with?
We work with a panel of trusted lenders, reviewed regularly, who support customers with a wide range of credit scores.
Our finance partners include:
✔️ Black Horse
✔️ Evolution Funding (a finance broker working with multiple lenders)