Choose a finance option to suit you
Buying a car is one of the biggest purchases you will make so it is important you choose the best finance method available to you. With a variety of finance options, competitive rates and affordable payments, we make funding your next car simple and convenient.
PCP
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Keep your payments low by deferring a significant proportion of the cost of the car to the end of your agreement.
HP
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Spread the cost of the car into fixed monthly payments and own the car at the end of your agreement.
PCH
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A fixed cost, fixed term rental option where you simply hand the keys back at the end of your agreement.
How they compare
| What to consider | PCP | HP | PCH |
|---|---|---|---|
| Deposit | ✓ | ✓ | ✗ |
| Fixed monthly payments | ✓ | ✓ | ✓ |
| Mileage caps | ✓ | ✗ | ✓ |
| Fines for excess wear and tear | ✓ | ✗ | ✓ |
| Depreciation risk | ✗ | ✓ | ✗ |
| Own the car outright | ✗ | ✓ | ✗ |
| Balloon payment at the end | ✓ | ✗ | ✗ |
| Early redemption charges | ✓ | ✓ | ✓ |
