Car Finance Options to Suit all Pockets
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Car Finance Explained
There are plenty of Car Finance options open to you. Below we go through some of the main options, who they work best for, their typical cost and how it all works. If you have any questions don’t hesitate to fill out our enquiry form and we will get back to you as soon as possible.
Hire purchase
Best for
People who want a simple form of car finance that's easy to arrange.
Typical cost
Between 7% and 13% APR.
How it works
You pay an initial deposit of £99 or above (sometimes you don't have to pay a deposit either). Then you pay the remainder, with interest, in monthly instalments. Sometimes there is an administration fee to pay with the first payment and an 'option to purchase' fee with the final one. Hire purchase offers a higher level of consumer protection than an unsecured personal loan.
Leasing
Best for
People who want a new car regularly without the hassle of owning it.
Typical cost
Monthly payments are normally between £100 and £400 a month.
How it works
You choose your vehicle and how long you want it for, and state your annual mileage. These three factors determine your monthly payments. With some schemes, you can opt for the payments to include maintenance.
Personal contract plan
Best for
People who want to keep repayments low and like a new car every two to four years.
Typical cost
Between 7% and 14% APR.
How it works
You put down a deposit, pay monthly instalments as you go along, and leave a lump sum to pay off at the end of the contract.
The amount you defer, which is set by the finance company, is called the minimum guaranteed future value. The lender guarantees that your car will be worth that amount at the end of the contract.
When the contract ends, you have three options:
- Pay the deferred sum and keep the car
- Sell the car privately to fund the final payment
- Hand the car back to the us, the dealer
If the car is worth more than predicted, you can use the difference as a deposit on a new car. PCPs offer a higher level of consumer protection than an unsecured personal loan.
Enquire about finance
Please complete the form and a member of the team will be in contact shortly. Alternatively call us on 01303 228200
Our Latest Used Vehicles
Representative example (HP)
Duration of Agreement: 36 Months | Cash Price: £11,000.00 | Customer Deposit: £1,000.00 | Manufacturer Deposit Contribution: £0.00 | Total Deposit: £1,000.00 | Monthly Payments: £333.03 | Balance to Finance: £10,000.00 | Total Charge For Credit: £1,990.08 | Total Amount Payable: £12,990.08 | APR: 12.9% | Interest Rate (Fixed): 6.63%
Ford C-Max
Titanium 1.0T EcoBoost Titanium Euro 6 (s/s) 5dr
Blue
22,469 miles
Petrol
Manual
Discover this 2017 Ford C Max T Titanium, boasting exceptionally low mileage for its year at just 22,469 miles. This Euro 6 compliant 1.0L petrol model offers a refined driving experience, enhanced by the convenience of Keyless Entry and the sophisticated Ford SYNC3 DAB Audio System with Bluetooth connectivity. Inside, you'll appreciate the comfort provided by DEATC Dual-Zone Electronic Automatic Temperature Control, ensuring a pleasant cabin environment for all occupants. This C Max stands out with its impressive fuel economy, achieving up to 55 miles per gallon, which is a significant advantage for everyday driving costs. Its low CO2 emissions also contribute to a more environmentally conscious choice. Furthermore, the generous boot space makes it a practical option for families or anyone needing ample storage, offering greater utility compared to many vehicles in its class.
Cash Price
£9,000
Monthly price (HP)
£266p/m
Ford Focus
Titanium 1.0T EcoBoost Titanium Auto Euro 6 (s/s) 5dr
Blue
23,650 miles
Petrol
Automatic
Discover this exceptional 2017 Ford Focus T Titanium, boasting remarkably low mileage of just 23,650 miles for its age. This Euro 6 compliant 1.0L petrol model offers a compelling blend of efficiency and technology. Inside, you'll find an 8in TFT touchscreen with Ford SYNC2, complete with Bluetooth connectivity for seamless calls and music streaming. Comfort is assured with Dual Electronic Automatic Temperature Control, allowing you to set your preferred cabin climate. The Ford KeyFree System provides convenient keyless entry, while automatic headlights and rear parking sensors enhance both safety and ease of use. This Ford Focus stands out with its impressive fuel economy, achieving a highlight of 51 miles per gallon, indicating its efficiency compared to other vehicles in its class. Furthermore, its low insurance group and low CO2 emissions highlight its affordability and environmental consideration, making it a sensible choice for many drivers.
Cash Price
£10,000
Monthly price (HP)
£300p/m
Vauxhall Mokka X
Active 1.4i Turbo Active Auto Euro 6 5dr
Orange
32,375 miles
Petrol
Automatic
Discover this 2018 Vauxhall Mokka X i Turbo Active, a truly exceptional find with remarkably low mileage for its age, having covered just 32375 miles. This Euro 6 compliant 1.4 litre petrol model boasts a clear vehicle history check, offering peace of mind. Inside, you'll find the R4.0 IntelliLink touch screen infotainment system, complete with Android Auto and Apple CarPlay for seamless smartphone integration, alongside Bluetooth connectivity. Comfort is assured with electronic climate control and air conditioning, while parking is made effortless thanks to front and rear parking distance sensors. The convenience of automatic lighting control ensures your headlights are always on when needed. This Mokka X stands out from the crowd due to its impressive combination of features and its low insurance group rating, suggesting lower running costs compared to similar vehicles. The very low mileage further enhances its appeal, indicating less wear and tear than typically expected for a car of this age. This Vauxhall Mokka X i Turbo Active presents a compelling package for anyone seeking a well equipped and economical compact SUV.
Cash Price
£10,500
Monthly price (HP)
£316p/m
MINI Convertible
Cooper S 2.0 Cooper S Euro 6 (s/s) 2dr
Blue
72,204 miles
Petrol
Manual
Discover this stylish 2018 MINI Convertible Cooper S, a fantastic example of open top motoring. This particular model boasts the desirable MINI Yours Lounge Leather in Carbon Black, complemented by 17 inch Light Propeller Spoke Two Tone alloy wheels and the signature MINI Yours Soft Top for those sunny days. Inside, you'll find elegant Piano Black interior trim and the practical Radio MINI system with Bluetooth connectivity, ensuring your journeys are both comfortable and connected. This Cooper S is powered by an efficient 2.0 litre petrol engine, meeting Euro 6 emissions standards. It offers an impressive fuel economy of up to 45 miles per gallon, making it a sensible choice for everyday driving. Furthermore, its low CO2 emissions and low insurance group rating highlight its cost effectiveness compared to many other vehicles in its class, offering a compelling blend of performance and economy.
Cash Price
£11,000
Monthly price (HP)
£333p/m
Honda CR-V
Black Edition 1.6 i-DTEC Black Edition Auto 4WD Euro 6 5dr
Black
90,000 miles
Diesel
Automatic
This 2016 Honda CR-V i-DTEC Black Edition presents a superb ownership proposition, having been cared for by only two owners. This Four Wheel Drive model boasts a 1.6 litre Euro 6 diesel engine, offering an impressive fuel economy of 55 miles per gallon. The Black Edition trim ensures a stylish presence, complemented by desirable features such as dual zone climate control for personalised comfort, rear parking sensors and a rear parking camera to aid manoeuvrability, and adaptive cruise control for relaxed journeys. Stay connected on the go with the Bluetooth hands free telephone system. Beyond its appealing features, this CR-V stands out with its low CO2 emissions, making it an environmentally conscious choice. The large boot space provides exceptional practicality for all your needs, whether for family outings or everyday errands. These highlights, combined with its efficient engine and advanced technology, demonstrate how this Honda CR-V offers a superior driving experience compared to other vehicles in its class.
Cash Price
£11,000
Monthly price (HP)
£333p/m
Citroen Grand C4 SpaceTourer
Flair 1.2 PureTech Flair Euro 6 (s/s) 5dr
White
47,812 miles
Petrol
Manual
This 2019 Citroen Grand C4 SpaceTourer Flair offers exceptional value with its remarkably low mileage of just 47812 miles for its age. This seven seat MPV is powered by an efficient 1.2 litre petrol engine and meets Euro 6 emissions standards. The Flair trim level comes equipped with a host of desirable features, including front and rear parking sensors with parking assistance, a fixed panoramic sunroof for a bright and airy cabin, blind spot detection for added safety, and a reversing camera to aid manoeuvring. This Grand C4 SpaceTourer boasts impressive fuel economy, achieving up to 45 miles per gallon, and benefits from low CO2 emissions. Its acceleration is also noteworthy, reaching 0 to 62 miles per hour in just 9.8 seconds, demonstrating a good balance of performance and efficiency compared to other vehicles in its class.
Cash Price
£11,500
Monthly price (HP)
£350p/m
Nissan Juke
N-Connecta 1.0 DIG-T N-Connecta Euro 6 (s/s) 5dr
Red
19,802 miles
Petrol
Manual
This 2020 Nissan Juke DIG-T N Connecta is a standout choice, boasting exceptionally low mileage of just 19802 miles from its single owner. Powered by an efficient 1.0L Petrol engine, this Euro 6 compliant Juke offers impressive fuel economy of 48 mpg, making it a cost effective option. Inside, you'll find the Comfort Pack which includes climate control for a pleasant driving environment, alongside an 8in colour display with touch screen functionality. Connectivity is well catered for with Bluetooth, USB, and Aux inputs, plus a 12V socket. Adding a touch of sophistication, the Juke features door ambient lighting, and the driver's seat is manually adjustable for slide, recline, and lifter functions. The low CO2 emissions of this Juke further highlight its efficiency and environmental consideration, setting it apart from many other vehicles in its class. The combination of its very low mileage for its age, single ownership, and excellent fuel economy of 48 mpg demonstrates that this Nissan Juke has been meticulously cared for and offers a superior ownership proposition.
Cash Price
£12,500
Monthly price (HP)
£383p/m
Ford Ecosport
ST-Line st-line
White
7,956 miles
Petrol
Manual
With only 7956 miles on the clock, this 2022 Ford EcoSport is practically brand new. As a Ford-approved vehicle, this EcoSport ST-Line, with its 1.0L petrol engine, offers a blend of style and efficiency. The ST-Line trim adds a sporty edge to this popular model, making it a great choice for those seeking a compact yet capable vehicle. This EcoSport stands out with its impressive fuel economy of 46 mpg, meaning fewer trips to the petrol station and more money in your pocket. Coupled with its low CO2 emissions, this car is a responsible choice for the environmentally conscious driver. The Euro 6 emission class ensures that it meets the latest standards, making it suitable for urban driving and beyond.
Cash Price
£13,000
Monthly price (PCP)
£282p/m
Ford C-Max
Titanium 1.0T EcoBoost Titanium Euro 6 (s/s) 5dr
Blue
22,469 miles
Petrol
Manual
Discover this 2017 Ford C Max T Titanium, boasting exceptionally low mileage for its year at just 22,469 miles. This Euro 6 compliant 1.0L petrol model offers a refined driving experience, enhanced by the convenience of Keyless Entry and the sophisticated Ford SYNC3 DAB Audio System with Bluetooth connectivity. Inside, you'll appreciate the comfort provided by DEATC Dual-Zone Electronic Automatic Temperature Control, ensuring a pleasant cabin environment for all occupants. This C Max stands out with its impressive fuel economy, achieving up to 55 miles per gallon, which is a significant advantage for everyday driving costs. Its low CO2 emissions also contribute to a more environmentally conscious choice. Furthermore, the generous boot space makes it a practical option for families or anyone needing ample storage, offering greater utility compared to many vehicles in its class.
Cash Price
£9,000
Monthly price (HP)
£266p/m
Ford Focus
Titanium 1.0T EcoBoost Titanium Auto Euro 6 (s/s) 5dr
Blue
23,650 miles
Petrol
Automatic
Discover this exceptional 2017 Ford Focus T Titanium, boasting remarkably low mileage of just 23,650 miles for its age. This Euro 6 compliant 1.0L petrol model offers a compelling blend of efficiency and technology. Inside, you'll find an 8in TFT touchscreen with Ford SYNC2, complete with Bluetooth connectivity for seamless calls and music streaming. Comfort is assured with Dual Electronic Automatic Temperature Control, allowing you to set your preferred cabin climate. The Ford KeyFree System provides convenient keyless entry, while automatic headlights and rear parking sensors enhance both safety and ease of use. This Ford Focus stands out with its impressive fuel economy, achieving a highlight of 51 miles per gallon, indicating its efficiency compared to other vehicles in its class. Furthermore, its low insurance group and low CO2 emissions highlight its affordability and environmental consideration, making it a sensible choice for many drivers.
Cash Price
£10,000
Monthly price (HP)
£300p/m
Vauxhall Mokka X
Active 1.4i Turbo Active Auto Euro 6 5dr
Orange
32,375 miles
Petrol
Automatic
Discover this 2018 Vauxhall Mokka X i Turbo Active, a truly exceptional find with remarkably low mileage for its age, having covered just 32375 miles. This Euro 6 compliant 1.4 litre petrol model boasts a clear vehicle history check, offering peace of mind. Inside, you'll find the R4.0 IntelliLink touch screen infotainment system, complete with Android Auto and Apple CarPlay for seamless smartphone integration, alongside Bluetooth connectivity. Comfort is assured with electronic climate control and air conditioning, while parking is made effortless thanks to front and rear parking distance sensors. The convenience of automatic lighting control ensures your headlights are always on when needed. This Mokka X stands out from the crowd due to its impressive combination of features and its low insurance group rating, suggesting lower running costs compared to similar vehicles. The very low mileage further enhances its appeal, indicating less wear and tear than typically expected for a car of this age. This Vauxhall Mokka X i Turbo Active presents a compelling package for anyone seeking a well equipped and economical compact SUV.
Cash Price
£10,500
Monthly price (HP)
£316p/m
MINI Convertible
Cooper S 2.0 Cooper S Euro 6 (s/s) 2dr
Blue
72,204 miles
Petrol
Manual
Discover this stylish 2018 MINI Convertible Cooper S, a fantastic example of open top motoring. This particular model boasts the desirable MINI Yours Lounge Leather in Carbon Black, complemented by 17 inch Light Propeller Spoke Two Tone alloy wheels and the signature MINI Yours Soft Top for those sunny days. Inside, you'll find elegant Piano Black interior trim and the practical Radio MINI system with Bluetooth connectivity, ensuring your journeys are both comfortable and connected. This Cooper S is powered by an efficient 2.0 litre petrol engine, meeting Euro 6 emissions standards. It offers an impressive fuel economy of up to 45 miles per gallon, making it a sensible choice for everyday driving. Furthermore, its low CO2 emissions and low insurance group rating highlight its cost effectiveness compared to many other vehicles in its class, offering a compelling blend of performance and economy.
Cash Price
£11,000
Monthly price (HP)
£333p/m