Affordable, flexible, tailored finance

With our HP car finance, you can easily spread the cost of your vehicle into affordable monthly payments. Simply complete your application, and our dedicated team will assist you in securing the best car loans finance for your needs.

What is Hire Purchase?

Hire Purchase (HP car finance) allows you to spread the cost of purchasing a car over a set period rather than paying upfront. At the end of your agreement – usually between 2 to 5 years – you will own the car!

Unlike PCP, HP finance generally comes with higher monthly payments because you are paying for the vehicle outright rather than just covering depreciation. Check out our comparison table to see which option works best for you.

Most UK car finance deals under HP include an ‘option to purchase fee’ at the end of the agreement, allowing you to take full ownership of the car. This fee is typically small and will be outlined before you sign any agreement.

Key Benefits of HP Car Finance:

Option for no deposit – Get started without an upfront payment.
No mileage restrictions – Perfect for those who drive long distances.
You own the car at the end – No final balloon payment.
Fixed monthly costs – Easy budgeting with predictable payments.

Things to Consider with HP Finance:

HP car finance typically has a higher monthly cost than PCP.
You won’t own the car until the agreement ends and the ‘option to purchase fee’ is paid.
The lender must approve modifications to the vehicle.
You cannot sell the car before the agreement ends.
There is no guaranteed future value like PCP.

Why Choose Us?

At Car Loan First, we make car buying simple and stress-free. Say goodbye to long waits, long meetings and paperwork. 

Hassle-Free Financing

Our user-friendly process brings you one step closer to securing the best car finance deals UK. Plus, our specialist lenders use soft credit checks, so applying won’t affect your credit score.

Ready to Apply?

Complete our fast online application, and our expert team will guide you through securing your UK finance deals.

Start your vehicle-buying journey with confidence – supported every step of the way by our expert car finance team!  every strp

Start your vehicle-buying journey with confidence

Supported every step of the way by our expert car finance team.

LOOKING FOR THE

Perfect car?

Simply submit your application, and you’ll gain access to our customer portal. Here, you can track your car finance deals UK decision and browse thousands of vehicles from trusted UK dealerships. Whatever your needs, we’ve got you covered.

🚗 Get Your Quote Today & Drive Away with Confidence!

Fixed, affordable monthly payments
All credit situations considered
Browse thousands of cars from trusted dealers across the UK
Personal support every step of the way

CAr finance

calculator

This quick and easy tool helps you see what you can afford. Enter a few quick details to receive an immediate finance estimate. The sliding scales let you adjust things like deposit size or loan term to see how it changes your monthly payments.

Rates from 9% APR. Representative 18% APR. Car Loan First is a broker not a lender.

Cash Price Deposit Term APR (Fixed) Payment Total Interest Total Amount Payable
Representative Example £8,000.00 60 Months 18% APR £203 £4,189 £12,189

HP CAR FINANCE DESIGNED

Around you

Navigating UK car finance deals can be overwhelming, but we make it simple.

Our professional team is here to take the fuss out of car finance, making the process simpler and smoother for you!

Finance Made Just for You

We understand that everyone’s situation is different. That’s why we tailor HP car finance agreements to suit your individual needs, ensuring your new car and loan fit within your lifestyle and budget.

Your Repayments, Your Way

Take control of your payment plan! Whether you prefer larger payments over a shorter term or smaller ones spread out, we’ll help you design a repayment schedule that works for you.

Guidance You Can Count On

First-time applicant or UK car finance pro? Either way, our expert team is here to make the process smooth and straightforward. With trusted lenders, transparent advice, and seamless support from start to finish, we’ll get you on the road in no time!

uk car finance deals

NEED HELP?

Ready to get your finance quote?

At Car Loan First, we're here to assist you every step of the way. If you have any questions, browse our FAQs or call our expert team.

Request a call back from us