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 a Conditional Sale agreement

    You pay a deposit and borrow the remaining cost of the vehicle, paying it back monthly over the term of the agreement. At the end of the agreement, you own the vehicle.

    Available for cars, motorcycles and vans.

    Initial deposit

    You put down a deposit of around 10% of the vehicle price and pay the remaining cost of the vehicle over the term of the agreement.

    Fixed monthly repayments

    Monthly repayments are fixed during the agreement and spread equally throughout the term, including interest. The agreement is up to five years (60 months).

    No lump sum

    There's no lump sum to repay at the end of the agreement.

    You become the legal owner

    At the end of the agreement, you pay the title transfer fee and become the legal owner of the vehicle.

    Finance is secured against the vehicle

    If you're unable to keep up with your repayments we may repossess the vehicle.

    How it works

    Watch this introduction to Conditional Sale and see if it could be the right choice for you.