Understanding Car Finance

Whether you're new to car finance or just comparing your options, we’re here to keep things simple.

How Car Finance Works

Designed to make driving your new car simple and affordable.

Choose Your Vehicle

Find the car you love, either online or by visiting our showroom. Every vehicle is fully checked and prepared before sale.

Select Your Finance Package

Choose between HP or PCP, how long you want to spread your payments, and how much deposit you’d like to put down.

Easy Finance Application

Apply online in minutes or we’ll complete your application with you in person. We can match you with the best approval and rate.

Fixed Monthly Payments

Once approved, your rate and monthly payment are fixed for the entire term — no surprises. You simply pay the same agreed amount every month.

Find a Monthly Payment That Works for You

Adjust your deposit, term and mileage to explore vehicles within your preferred payment range

My monthly budget is...

Under £200 £200 - £299 £300 - £399 £400 - £499 £500 - £599 £600 - £699 £700 - £799 Over £800

Deposit

£

£0 £2,000

Term

12 months 60 months

Annual mileage

1,000 miles 100,000 miles

Hire Purchase (HP)

Hire Purchase is a great option if you want simplicity, clear payments, and full ownership when the agreement ends.

Fixed Monthly Payments

Your payments stay the same each month, making it simple to plan your finances. No surprises, no hidden costs — just clear, consistent payments.

No Final Balloon Payment

Unlike some finance options, there’s no large final payment waiting at the end. Once the agreement is finished, you've fully paid off the vehicle.

You Own the Car at the End

After you’ve made the final instalment, the car is 100% yours to keep. Perfect for drivers who want to build long-term value and avoid changing cars frequently.

No Mileage Limits

With Hire Purchase there are no mileage restrictions. Whether you make short local trips or travel long distances, your payments stay the same — no penalty charges.

Personal Contract Purchase (PCP)

PCP offers flexibility, lower monthly payments, and the freedom to change vehicle more frequently — ideal if you value choice and convenience.

Lower Monthly Payments

Because part of the car’s value is deferred to an optional final payment, monthly costs are typically lower than HP, helping your budget go further.

Choice at the End of the Agreement

You can pay the final optional payment to keep the car, return it with nothing further to pay (subject to condition/mileage), or part exchange it for your next car.

Ideal for Changing Cars More Often

PCP is perfect if you like driving newer or different models regularly. It gives you the freedom to change cars every few years without the hassle of selling privately.

Agreed Mileage for Peace of Mind

You’ll choose a mileage allowance that matches your lifestyle. It keeps payments accurate and ensures you know exactly where you stand throughout the agreement.

Drive the Car You Want, with Payments That Work for You

My monthly budget is...

Alternatively use the sliders or enter a value below

Deposit

£

Annual mileage

Term