Finance
Plain English,
and no admin fee
Most of our customers use finance, and we will happily arrange it. We are not a lender — we introduce you to a panel of UK motor-finance providers and let them compete for the business.
Representative example
- Cash price
- £25,000
- Deposit
- £2,500
- Amount of credit
- £22,500
- 48 monthly payments of
- £584.77
- Representative APR
- 11.9%
- Total charge for credit
- £5,568.96
- Total amount payable
- £30,568.96
Finance is subject to status and affordability checks. You must be 18 or over and a UK resident. Figures shown are illustrative representative examples calculated on Hire Purchase, exclude any option-to-purchase fee, and do not constitute a quotation or an offer of credit. Written quotations are available on request. Your car may be repossessed if you do not keep up repayments on a finance agreement secured against it.
Read this part
We are an introducer, not a lender. We do not decide whether you are accepted, we do not set the rate, and we will always show you what the finance costs in pounds as well as in a monthly figure — because the monthly figure on its own is how people end up paying for a car twice.
Every car on this site shows its own representative example on its page, calculated from that car’s actual price.
Finance questions
The six we are asked most often.
What is the difference between Hire Purchase and PCP?
With Hire Purchase you spread the whole cost of the car over the term and own it outright at the end. With PCP a large part of the value is deferred to a final optional payment, so the monthly figure is lower but you either pay that balloon, hand the car back, or start again. Hire Purchase suits people who keep cars; PCP suits people who change every three years.
Can I settle early?
Yes. Every regulated agreement lets you settle early, and the lender must give you a rebate on the interest you have not yet used. Ask the lender for a settlement figure — it is valid for 28 days.
I still owe money on my current car. Is that a problem?
Not at all — it is the normal position. We ask your lender for a settlement figure, pay them directly, and only the difference between that figure and your car’s value affects your deal. You never need to pay the finance off first.
Will applying damage my credit file?
We can run an initial affordability check that leaves a soft footprint and is not visible to other lenders. Only a full application, once you are happy with the figures, leaves a hard search.
Do you charge an administration fee?
No. The price on the advert is the price of the car, whether you pay cash or finance it. We do not add delivery, admin or ‘preparation’ charges at the end.
Can I pay a deposit to hold a car?
Yes. A £250 refundable deposit reserves a car for seven days and takes it off sale. If you change your mind within that week, you get it back in full, no questions.
Finance
Want figures on
a specific car?
Tell us which one and what deposit you have in mind, and we will come back with real numbers from the panel rather than an illustration.