• Select the vehicle you’d like to purchase from our online listings
  • Select your desired deposit amount and agreement term length
  • Click Get Approved Today and wait for confirmation
  • Secure and safe process for applications and payments
  • Purchase or reserve a vehicle online from the comfort of your home
  • Full support from our specialists if you need assistance – just call or use Live Chat

How Does HP Work?

Hire Purchase (HP) enables you to take full ownership of your chosen vehicle at the end of the agreement. These plans are a popular option, being quick and easy to arrange once the deposit has been paid. Terms are straightforward, with no mileage restrictions, and once the final payment is made, the vehicle is yours. Contracts usually last between 12 and 60 months.

Here's how it typically works:

  • Choose your make and model
  • Agree the amount to be borrowed based on the price of the car less a deposit
  • Decide upon the length of the agreement
  • Make fixed monthly payments for the duration of the plan
  • Once all the repayments have been made you have full ownership of the vehicle

How Does PCH Work?

Personal Contract Hire (PCH) is a form of long-term lease and is ideal for those who wish to hand their vehicle back at the end of the agreement, with no further obligations. PCH is popular among motorists who want to upgrade their vehicle frequently, and for whom the commitment of owning a car outright is undesirable. 

Here's how the agreement typically works:

  • Choose your preferred car
  • Decide on the initial payment you wish to put down
  • Determine the length of the agreement and preferred mileage limit
  • Pay the fixed monthly fee for the duration of the plan
  • At the end of the contract, either hand back the keys and walk away or choose a new model and sign up for a new PCH lease

How Does PCP Work?

Personal Contract Purchase (PCP) is popular with motorists who have a more limited budget, as monthly payments are typically lower. Essentially, the contract only covers part of the value of the car, with an agreed amount being deferred until the end. Contracts normally last between 24 and 48 months, at the end of which you have three options. 

Here’s how it works:

  • Choose your car
  • Pay a deposit and agree contract length and mileage limit
  • Make fixed monthly payments
  • At the end of the contract, you have three options:
  • Pay the agreed sum or 'balloon payment' to own the car outright
  • Exchange your car for a new model and agreement
  • Hand the car back and walk away