When planning a car purchase, the options can seem a little daunting, so we’ve put together some helpful videos and guides to make things more straightforward. Simply click the links to see the features of each product explained, as well as some issues to be aware of before entering into an agreement.

Common financing options are:

Hire Purchase or Conditional Sale

Hire Purchase is exactly what it sounds like – a hire agreement which gives you an option to own the car at the end of the agreement. Read more…


Personal Contract Purchase (PCP)

Personal Contract Purchase, or PCP, is a variation of a Hire Purchase agreement. The key difference is that the value of the car at the end of the contract is calculated at the start of the agreement and this value is deferred. Read more…


Lease Purchase

Lease purchase is a form of hire purchase agreement with a sum deferred to the end of the deal. Read more…


Personal Loan

You organise the money for the car by taking out a personal loan with a bank or other financial institution. Read more…


Mortgage top-up

You organise with your mortgage provider to borrow money, either by withdrawing equity from your home or by getting a second-charge mortgage. Read more…


Credit Cards

Once you have found the car you would like to buy, you pay the full amount to your dealership using your credit card. Read more…


Still unclear? Why not visit our ‘Your finance options’ tool?