Vehicle finance explained

Understand how vehicle finance works and what your options are.

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 8,000 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
  • Option to own the vehicle at the end of the agreement
  • Option to exchange the vehicle at the end of the agreement
  • No excess mileage charges
  • No vehicle condition charges (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
  • No excess mileage charges
  • No vehicle condition charges (Wear and Tear)
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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
  • No excess mileage charges
  • No vehicle condition charges (Wear and Tear)
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Return to invoice GAP insurance

Protection if your vehicle is stolen or written off in an accident.

Don't be out of pocket if your vehicle is written off or stolen. Return to Invoice (RTI) Guaranteed Asset Protection (GAP) insurance can protect you financially if your vehicle is stolen or written off in an accident.

Support for taking out vehicle finance

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.