We facilitate two principal products: PCP (Personal Contract Purchase) and HP (Hire Purchase).

PCP: Pay a deposit (usually possible from £0, depending on status) and fixed monthly payments for a fixed period (usually 2–4 years). At the end you can: return the vehicle (mileage/condition restrictions apply), pay the optional final sum to retain it, or part-exchange and transfer any equity into your next vehicle. Since a guaranteed future value (GMFV) is pushed to the end, monthly instalments are generally lower than HP.

HP: Divide the car’s full price into fixed monthly payments (typically 2–5 years). Once the last payment (and minor option-to-purchase charge) has been made, the vehicle is yours. Ideal if you prefer straightforward budgeting and ownership on completion.

Yes. We’ll verify your settlement amount, clarify whether you’re in positive or adverse equity, and (if you go ahead) assist in settling your current agreement. We can also arrange a part-exchange with the supplying retailer so its cost transfers directly to your new arrangement.

Your adviser makes comparisons between offers from a number of lenders and discusses the variations with you. Our objective is to obtain an arrangement that makes your regular payments reasonable and works to achieve the lowest appropriate APR for your situation.

Not necessarily. £0-deposit vehicles might be possible (status and vehicle subject to). If you do pay a deposit, it lowers the sum you borrow, which can decrease the monthly payment and can assist with acceptance.

We use only approved, vetted dealers. If the specific vehicle you’ve located isn’t from an approved dealer, we’ll find you a like-for-like alternative with one of our trusted partners at a competitive price.

If your application is simple and the vehicle is ready to be driven away, approval and collection can usually be completed very speedily—in most instances within a few days (subject to lender and dealer).