Important update
    Vehicle finance commission complaints

    On 3 December 2025, the Financial Conduct Authority extended their deadline on the pause for responding to complaints around motor finance commissions. The pause will now be in place until 31 May 2026. You can find the latest information on our website here:

    Latest information

    Spread the cost of your vehicle with affordable monthly payments

    Buying a car, motorcycle or van is a big decision and a large purchase. With vehicle finance, instead of paying the full amount upfront, you pay a deposit and a series of fixed monthly payments. With several motor finance solutions to choose from, including adjustable deposits, agreement terms and final payments, we can, subject to assessment, find a solution to suit your budget.

    How it works

    We're partnered with over 5,300 motor dealers and brokers, to provide finance to over 100,000 customers every year. We work alongside our partners to make your vehicle finance application quick and easy.

    Find a vehicle

    Once you've found the vehicle you want to buy, start exploring your finance options with your dealer or broker.

    Select your finance

    Your dealer or broker will explain the products and services that are right for you, taking into account your needs on an individual basis.

    Get approved

    Decisions on your vehicle finance can often be made while you’re waiting in the dealership, meaning no bank appointments, or waiting weeks for a decision.

    Sign agreement and drive away

    Once everything is in place, drive out of the dealership with your new vehicle and a finance agreement that suits your individual needs.

    Finance options to suit you

    We have a range of finance products available to you, depending on your budget and your vehicle needs.

    Conditional Sale (CS)

    If you want to own the vehicle in the long run.

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    • Fixed monthly payments
    • Early repayment options
    • Own the vehicle at the end of the agreement
    • Option to own the vehicle at the end of the agreement
    • Option to exchange the vehicle at the end of the agreement
    • Excess mileage charges
    • Vehicle condition charges (fair wear and tear)
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    Hire Purchase (HP)

    If you want the option to hand your vehicle back.

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    • Fixed monthly payments
    • Early repayment options
    • Option to own the vehicle at the end of the agreement
    • Option to exchange the vehicle at the end of the agreement
    • Excess mileage charges
    • Vehicle condition charges (fair wear and tear)
    View product

    Personal Contract Purchase (PCP)

    If you want the option to change or upgrade your vehicle.

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    • Fixed monthly payments
    • Early repayment options
    • Option to own the vehicle at the end of the agreement
    • Option to exchange the vehicle at the end of the agreement
    • Excess mileage charges apply
    • Vehicle condition charges apply (fair wear and tear)
    View product

    Existing customers

    If you have an existing GAP insurance agreement, you can access your policy documents and register a claim via the portal.

    Information and advice when buying a vehicle

    If you're considering taking out vehicle finance, we have a range of useful tools, information and advice to help you get on the road.