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Finance your next car. Compare hire purchase, PCP and personal loans you're likely to be accepted for. All without impacting your credit score

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Hire Purchase

With hire purchase** you lease the car for the term of the loan. You often need to put down a deposit, then pay a series of monthly payments. Once you have made all your payments the car is yours.

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PCP

PCP** stands for personal contract purchase. With PCP you lease the car for term of the loan. Once the PCP ends you can either buy the car for one final repayment, or hand it back.

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Personal loans

With a personal loan you borrow cash lump sum you can use for any purpose. If you buy a car using a personal loan it is yours from the outset, and your car and loan are not tied together.

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Other loans

We also show secured and guarantor loans, alongside car finance options available through specialist car finance brokers.

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Car finance table

Personal loan Hire purchase PCP
Do you need a deposit? No
More information

Whether you need a deposit for a hire purchase agreement depends on the lender. Generally you have some flexibility around the size of the deposit you put down, As a rule, the bigger your deposit, the lower your monthly repayments.
More information

Whether you need a deposit for a PCP depends on the lender. Generally you have some flexibility around the size of the deposit you put down, As a rule, the bigger your deposit, the lower your monthly repayments.
You own the car from the outset Yes No No
Fixed monthly payments Yes Yes Yes
Excess mileage charges No
More information

Charges for excess mileage is dependent on individual lender policy.
Yes
Wear and tear charges No
More information

Charges for wear and tear is dependent on individual lender policy.
Yes
Final payment No No Yes
Car is rented until the loan is repaid No Yes Yes

For PCP & HP the car is required for security and you could lose the vehicle if you don’t keep up with repayments

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United Kingdom

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*Experian acts as a credit broker and not a lender in the provision of its credit cards and personal, car finance and guarantor loans comparison services, meaning it will show you products offered by lenders and other brokers.

Experian acts independently and although our comparison service shows products for a range of lenders and other brokers it does not cover the whole of the market, meaning other products may be available to you. Experian comparison services are free to use. We receive commission payments from the providers that we introduce you to. We never rank products based on the commission paid to us.

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**For PCP and HP only: Your car may be required as security and you could lose your vehicle if you don't keep up with repayments.

The web monitoring feature and its alerts within CreditExpert / Identity Plus is not Financial Conduct Authority regulated activity.

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