Car finance made simple
Finance a used car from an approved UK dealer with representative monthly payments. Compare PCP, Hire Purchase and bad-credit options, check your eligibility with a soft search that won't affect your credit score, and browse cars by the monthly budget that suits you.
- Soft search — no credit-score impact
- Integrated finance partners
- Representative monthly quotes
Three steps to driving away
No jargon, no pressure — here's how financing a used car actually works.
Choose your car
Pick any used car from an approved UK dealer. The advertised cash price is the starting point for every finance quote.
Check your eligibility
Run a soft search to see your real options. It won't affect your credit score, and there's no obligation to proceed.
Choose your deal
See representative monthly payments via the dealer's integrated finance partners, then apply for the agreement that fits.
Types of car finance
Not sure which is right for you? Each guide explains the deal in plain English with a worked example.
HP vs PCP in 30 seconds
The two main types, side by side.
- Monthly payment
- HP higher · PCP lower
- You own the car
- HP at the end · PCP only if you pay the final balloon
- Mileage limits
- HP none · PCP agreed up front
- Best for
- HP keepers · PCP changers
Want the full breakdown with a real representative example? Compare PCP vs HP →
Finance: the honest pros & cons
No sugar-coating — the upsides and the trade-offs.
- Spread the cost of a newer, safer car over fixed monthly payments.
- Fixed interest rates mean your payment won't change mid-agreement.
- Soft-search eligibility lets you check options without affecting your score.
- You pay interest, so the car costs more than the cash price overall.
- PCP mileage and condition charges can add up if you exceed the limits.
- Missing payments can put the car at risk of repossession.
Popular models on finance
See PCP and HP deals, with a real representative example, for the models drivers finance most.
Browse cars by monthly budget
Every car shows a real monthly payment. Pick a budget and see what's available right now from approved dealers.
Car finance FAQs
See what you could drive away in
Browse hundreds of used cars with representative monthly payments from approved UK dealers — then check your eligibility with a soft search that won't affect your credit score.
Browse cars with finance- No credit-score impact
- Integrated finance partners
- Real monthly quotes