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The process is very simple. Find the next car you want to buy, apply for finance and sign your agreement all online. Pay your deposit and once approved, you can collect your car from our dealership, or have it delivered straight to your door. After that, all you do is relax.
Explore our finance options below.
The most common form of car finance is Personal Contract Purchase (PCP). It is similar to Hire Purchase as it requires a deposit and then fixed monthly payments over an agreed time period, usually between 1 and 3 years.
However, at the end of your agreement, you have three options:
Return – Simply return the car back to us
Retain – Keep the car by paying the optional final payment
Renew – Trade it in for another car
If you’d like to own the car at the end of the agreement, HP is a finance agreement that allows you to spread the cost of the car by making higher monthly payments over an agreed term.
A Hire Purchase agreement is like taking out a loan to pay for your car. This type of agreement doesn’t require you to pay a lump sum at the end of the term. You make higher monthly payments than a Personal Contract Purchase (PCP) agreement, so that when you come to the end of the agreement you’ll own the car.
PCP monthly payments are usually lower than HP payments. This is because a large part of the total amount payable is left to the end of the agreement. You also pay interest on the car’s value at the end of the term, which means that PCP can be more expensive overall. The decision between PCP and HP largely comes down to personal preference and should be based on your circumstances and lifestyle.
Please note, we offer a credit score based finance model, an
interest rate will be assigned, based on your affordability profile and credit
risk. In order to identify your credit score, a credit check will be carried
out. The finance rate offered by our Lenders may vary dependant on your
personal circumstance and may differ from the advertised rate of 8.9%.
You can check whether you’re likely to be accepted for finance, and get an indication of the cost, without it affecting your credit rating. It’s free for you to use our service.
Lenders will run a hard credit check on your profile when you apply for finance, too many in a short period of time can affect your ability to get approved for credit. You can check the likelihood of being approved for car finance using our free credit check tool that will leave no trace on your file and will not affect your credit rating.
We'll need your address details, income information, and employment details. You will also be asked to upload a copy of your photo driving licence, utility bills or pay slips.
You could be refused car finance if your credit score is low or in poor shape. Having bad credit could be because of outstanding debts, or missed or late payments on your mortgage, credit cards or bills. We are dedicated to getting you the best deal we can for your new car.
When you sell a financed car, you must settle the outstanding finance with your finance company first. This means you have to pay off the total finance amount (including interest), minus the deposit and any repayments you've already made. This amount is known as the settlement figure.
We offer a credit score based finance model, an interest rate will be assigned, based on your affordability profile and credit risk. In order to identify your credit score, a credit check will be carried out. The finance rate offered by our Lenders may vary dependant on your personal circumstance and may differ from the advertised rate of 8.9%.