Automotive Finance

Automotive Finance provides flexible ways to fund your next vehicle, offering tailored solutions that suit different budgets, goals, and types of cars. Whether you’re looking for a simple path to ownership, lower monthly payments, or specialist funding for high-value or classic models, our finance options help you drive the vehicle you want while managing your cash flow effectively.

HIRE PURCHASE (HP)
LEASE PURCHASE (LP)
PERSONAL CONTRACT PURCHASE (PCP)
EQUITY RELEASE

HIRE PURCHASE (HP)

Hire Purchase is a straightforward way to fund your vehicle. You pay an upfront deposit and then make fixed monthly payments over an agreed term. Those payments cover the amount borrowed together with any interest and charges. When the final instalment is made, ownership of the car passes to you.

BENEFITS

  • Fixed monthly payments.
  • Own the car at the end of the term.
  • No mileage restrictions.
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LEASE PURCHASE (LP)

Lease Purchase lets you spread the cost of your vehicle with lower monthly payments and a final lump sum at the end of the agreement. It can be a flexible way to fund higher-value cars while keeping monthly costs down.

BENEFITS

  • Lower monthly payments compared with standard HP.
  • Option to refinance or pay the final lump sum.
  • Can be tailored around your expected future value of the car.
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PERSONAL CONTRACT PURCHASE (PCP)

PCP gives you flexibility at the end of the term. After paying your deposit and monthly instalments, you can choose to hand the car back, part-exchange it, or pay the final optional balloon payment and keep it.

BENEFITS

  • Lower monthly payments than traditional HP.
  • Multiple options at the end of the agreement.
  • Ideal if you like to change your car regularly.
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EQUITY RELEASE

Equity Release allows you to unlock value tied up in a vehicle you already own. Funds can be used for another purchase, business needs or personal projects, while you continue to enjoy the car.

BENEFITS

  • Release cash from vehicles you already own.
  • Keep using the car while the finance is in place.
  • Flexible structures to suit your circumstances.
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Cars we Finance