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Hire Purchase Finance

Hire Purchase is the most common form of car finance. It’s both the simplest & most flexible option available & offers;

  • Simple application process
  • Deposits from £0
  • £1500 minimum amount financed
  • Periods from 12 months to 60 months
  • Fixed rate of interest
  • Fixed payments for the duration of the loan

With hire purchase the car is sold by us to the finance company & they own the vehicle until you’ve paid the agreement. At the end of the agreement an option to purchase fee is included in the last payment, once this & all money is paid then the car is yours.

Personal loans are very similar to hire purchase, but tend to be used when you’re borrowing nearly all of the vehicle’s value. With a personal loan the car is sold to you & the finance company do not secure the loan against the vehicle.

The one key benefit of a personal loan is the finance company will, subject to status, lend you more than the invoice price of the car. This is handy if you owe more on your current car than it’s worth (sometimes known as negative equity).