See your eligibility for car finance in a few minutes
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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We work with leading loan providers and brokers
What types of car finance deals are available?
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.
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.
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.
Other loans
We also show secured and guarantor loans, alongside car finance options available through specialist car finance brokers.
Car finance table
| Personal loan | Hire purchase | PCP | |
|---|---|---|---|
| Do you need a deposit? |  |
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 |  |
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| Fixed monthly payments | |
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| Excess mileage charges | |
More information
Charges for excess mileage is dependent on individual lender policy. |
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| Wear and tear charges | |
More information
Charges for wear and tear is dependent on individual lender policy. |
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| Final payment | |
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| Car is rented until the loan is repaid | |
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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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