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Representative Example: You could borrow £10,699 over 60 months with an initial payment of £495.89 (including £199 Admin Fee) followed by 58 monthly payments of £296.89 with a final payment of £495.89 (including optional £199 Option to Purchase Fee). Total amount repayable will be £19,012,40. 26.1% APR, annual interest rate (fixed) 13.3%.

Our car finance guides are here to help you understand your options. Whether you're new to car finance or just want to learn more, you'll find useful information about how car finance works, what Hire Purchase means, your rights under the agreement and what to think about before making an application. 

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Car ownership

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Driving Safety

Beginner driver

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Understanding credit checks for car finance

Car finance lenders use different types of credit checks to assess your financial situation, creditw...

Car ownership

Buying Car Deal

How does HP Finance work?

Hire Purchase could be a simple and flexible way to spread the cost. Whether you’re buying your firs...

Finance

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Applying for Car Finance with Bad Credit

If you’ve got bad credit and need a car, you might worry that finance isn’t an option. The good news...

Finance

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Can I get car finance with a CCJ?

If you’ve had a County Court Judgment (CCJ) in the past and are thinking about applying for car fina...

Finance

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Can I modify a car on finance?

Thinking about making changes to your car, but not sure if you can because it's on finance? You’re n...

Finance

Car ownership

Road Trip

Can you take a car on finance abroad?

Planning a road trip through Europe? If your car is on HP car finance, you might be wondering if you...

Finance

Car ownership

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Hire Purchase Car Finance With AutoMoney

Looking to buy a car and want to spread the cost? Hire purchase could be the answer. It’s a straight...

Finance

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Hire Purchase vs Personal Contract Hire

When you want a car but don’t have the money to buy it outright, two common options are hire purchas...

Finance

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Hire Purchase vs Personal Loans What’s the Difference

When you want to own a car but don’t have the money upfront, two common options to consider are hire...

Finance

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How to check if a car has been written off

When you're buying or financing a used car, it's important to know whether the vehicle has ever been...

Finance

Car ownership

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How to part exchange a car

Part exchange is when you use the value of your current car to help pay for a new one. You trade in ...

Finance

Car ownership

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Can you get zero deposit car finance options

If you're thinking about buying a car but haven’t saved up for a deposit, zero deposit car finance c...

Finance

Car Park Backs Of Cars

What are the best second hand cars to buy?

Buying a second hand car can be a smart and affordable way to get on the road. Used cars cost less t...

Finance

Car ownership

Driving Safety

Beginner driver

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Voluntary Surrender of Car Finance

If you’re struggling with car finance payments and need to reduce your outgoings, voluntary surrende...

Finance

Car ownership

Car Service Repair

Car ownership and car servicing costs

If you’ve never owned a car before, it’s easy to focus just on the price of the car itself. But ther...

Finance

Car ownership

Mercedes Blue Car Key

Thinking about selling a financed car?

Selling a car that’s still under finance is possible, but it works differently than selling a car yo...

Finance

Beginner driver

Car ownership

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First time financing a car?

If it’s your first time financing a car, it can feel a bit overwhelming, but it doesn’t need to be. ...

Finance

Beginner driver

Car ownership

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Can someone else drive my financed car?

If you’ve taken out car finance, like HP or PCP, you might be wondering whether someone else can dri...

Finance

Car ownership

Driving Safety

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What to do if you’ve been refused car finance?

Getting turned down for car finance can feel frustrating, especially if you’re relying on a car for ...

Finance

Blue Car Charging

Electric vs Hybrid Cars: Which One Should You Choose?

If you're thinking about switching to a greener car, you’ve probably come across two main options, e...

Finance

Car ownership

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What should I do if my financed car is stolen?

Having your car stolen is upsetting and even more confusing if you’re still paying it off through ca...

Finance

Car ownership

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How Insurance Works for First-Time Drivers

If you're a new driver thinking about getting a car on finance, it’s important to understand how car...

Finance

Car ownership

Beginner driver

Happy Woman On Phone

What is car finance APR and why does it matter?

If you’re looking at car finance, you’ll often see something called APR mentioned, but what does it ...

Finance

Apply Banner

Commission Disclosure in Car Finance

If you’re applying for first time car finance in the UK, you might be told that the lender or broker...

Finance

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Can you finance an electric car and is it worth it?

Thinking about making the switch to an electric car but unsure how the finance works? You're not alo...

Finance

Car ownership

Car Watching Sunset

Can I refinance PCP balloon payments?

Refinancing your PCP balloon payment can be a practical way to keep your car without having to pay a...

Finance

Car ownership

Cascading Cars

Are you thinking about buying a car with outstanding finance?

Buying a used car on finance is common, but what if the car you're looking at still has finance owin...

Finance

Car ownership

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How to apply for car finance

Applying for car finance doesn’t need to be complicated. Whether you’re buying your first car, looki...

Finance

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Buying a car on finance: HP versus PCP

If you're thinking about buying a car on finance, two of the most common options are Hire Purchase (...

Finance

Car ownership

Car Engine

What if my financed car turns out to have problems?

If you’ve bought a car on finance and it starts showing problems, you’re not alone. Whether it’s a m...

Finance

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Voluntary Termination of Car Finance: What You Need to Know

If you’re struggling to afford your car finance payments, voluntary termination might be the right o...

Finance

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