Used Car Finance
If you'd rather own your next car than lease it, we arrange competitive used car finance with the same clarity and support as our contract hire agreements. We'll help you find the right finance route and the right car, without the pressure of a typical dealer sale.
What we do
PCP (Personal Contract Purchase) — lower monthly payments with the flexibility to hand back, part-exchange, or pay a final balance to own the car outright.
HP (Hire Purchase) — straightforward monthly payments that go entirely towards ownership.
Vehicle sourcing included — if you don't have a car in mind, we can find one to match your finance and requirements.
Why choose us
Whole-of-market access — we compare options across our lender panel rather than pushing a single provider.
Clear and honest — every cost, term and condition explained in plain language before you commit.
One dedicated contact — the same account handler manages your finance and vehicle search start to finish.
How it works
1. Tell us what you're looking for — the car, your budget, and PCP or HP.
2. We compare finance options — checking rates across our lender panel.
3. We confirm the details — clearly explained before you agree to anything.
4. We arrange the car and finance together.
Approval can often be decided instantly, though some cases take a couple of hours depending on individual circumstances.
Frequently asked questions
What's the difference between PCP and HP?
With PCP, monthly payments are lower with the option to buy the car outright at the end for a final balloon payment, or hand it back. With HP, payments go entirely towards ownership.
Does this cost anything upfront?
No upfront cost — we're paid a commission by the lender for introducing your finance, as a broker rather than a lender ourselves.
Do I need a car already, or can you help me find one?
Either — we can arrange finance on a car you've already chosen, or source one for you as part of the process.