Finance
We are a credit broker, not a lender. We can introduce you to FCA‑authorised finance providers and help you explore your options, but we don’t lend money ourselves. Our processes follow the FCA’s Consumer Duty principles, so we’ll explain all products clearly, avoid pressure tactics and present documents in plain English. You are free to use your own bank or broker, and there’s no obligation to finance your purchase through us.
- Hire Purchase (HP): Pay a deposit (often around 10% of the car’s value) and then repay the balance plus interest in monthly instalments. After the final option‑to‑purchase fee the vehicle becomes yours.✓
- Personal Contract Purchase (PCP): Pay a deposit and monthly payments that cover part of the car’s value plus interest. At the end of the agreement you can either pay a final “balloon” payment to own the car, hand the car back or part‑exchange it. PCP contracts typically run for 3–5 years and may include mileage limits.✓
- Personal loans: Use a loan from a bank or finance provider and pay us in full. You own the car immediately but make repayments to your chosen lender.✓
Before agreeing to finance, check the deposit, monthly payments, contract length, interest rate, APR, total amount payable and any final payments or mileage limits. If you’re unsure about anything, ask us or your finance provider to explain – dealers should make everything clear.
We work with a panel of reputable lenders to offer competitive products, and we do not add hidden fees or inflate rates. Representative APRs and sample quotes will be displayed on this page soon. In the meantime, please contact us for personalised finance quotes or advice.