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What is used car finance?
Used car finance allows you to spread the cost of a car over a set term. Monthly payments are decided at the start of the agreement and conditions of the finance will depend on the type of used car finance you choose.
How does used car finance work?
Used car finance works differently depending on the type you choose. Generally, you will pay a deposit upfront followed by fixed monthly payments for the remainder of the agreed term. At the end of the agreement, you will have a few options depending on which used car finance you use.
Discover more about used car finance and how it works in our guide to getting a used car on finance.
Types of used car finance
Personal contract purchase used car finance
With PCP car finance you pay an initial deposit followed by fixed monthly payments for an agreed term. At the end of the agreement, you have the option to pay a lump sum or return the vehicle.
Hire purchase used car finance
With HP car finance you pay a deposit upfront followed by fixed monthly payments. At the end of the term, you will have an option to pay a small "option to purchase" fee to become the legal owner of the car.
Find out more about Hire Purchase
Conditional sale used car finance
With CS finance you spread the cost of the vehicle after paying an initial deposit. At the end of the agreement, you will automatically become the owner of the car without having to pay an additional fee.
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Used Car Finance Guides and Advice
What is PCP Car Finance?
If you're looking to purchase a used car, you might be considering a Personal Contract Purchase finance agreement as a method of payment. Personal contract purchase, also kno...
A Guide to Getting Used Car Finance
With lots of car finance options available, it can be confusing to know which one is right for you. Use our guide to find out how car finance works and what options are available ...
What is Hire Purchase?
Hire Purchase (HP) agreements are a popular car finance option for anyone looking to buy a used car. Whilst HP agreements are a relatively simple way to finance your next used car,...
Conditional sale used car finance
With CS finance you spread the cost of the vehicle after paying an initial deposit. At the end of the agreement, you will automatically become the owner of the car without having to pay an additional fee.
