Used Cars Ways to Buy Car Finance Service & MOTs More Saved (0) Sign In really flexible finance from 8.9% APR. (representative 11.9% APR) See what’s available by getting your free finance check in under 60 seconds. start free check calculate your budget On this page: HP Calculator Finance options FAQs Guides Reviews let's figure out your budget. Credit Score: 0 741-820 1000 Car Price: £2,000 10000 £50,000 Deposit: £0 1000 £8,000 Repayment Period: 24 months 48 60 months HP Representative Example: Monthly Payments ... Car Price ... Total Deposit ... Balance to Finance ... Duration of Agreement ... Total Interest Charged ... Total Amount Payable ... Representative APR ... Interest Rate (fixed) ... Our panel of 18 lenders include: start your free check prefer to have a chat? call: 08082506281 By starting a finance check, a 'soft search' against your credit file will be performed, however, this won't be visible to lenders and won't affect their decision. By starting a finance check you agree that CarShop may/will pass your details on to a third party lender or broker, and they may wish to contact you by phone, post, SMS, or other electronic means. Car Shops Limited are authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit brokerage and are not the lender. Details of our FCA permissions (and our trading names) can be checked via the FCA register (via this link https://register.fca.org.uk/s/). We can introduce you to a limited number of lenders and finance products to assist you with your vehicle purchase. We act on the lenders behalf when making this introduction. We are not an independent financial advisor and therefore, no advice or recommendation will be made. You must decide whether the finance product you choose is right for you. We typically receive a commission from the lenders we work with (either a fixed fee or a fixed percentage of the amount you borrow). The lenders we work with could pay commission at different rates. Some lenders may also provide preferential rates to us for the funding of our vehicle stock and also provide financial support for our training and marketing. For your reassurance, the amount of commission we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement. The lender will always set this. Finance is subject to credit acceptance to UK residents (excluding the Channel Islands) aged 18 or over. All finance is subject to status. Guarantees and indemnities may be required. Terms and conditions apply. helping you with the finance bit. When it comes to car finance we’ve got lots of options with lots of flexibility, from hire purchase (HP) to Personal Contact Purchase (PHP). Hire Purchase (HP). Get your next car by paying monthly over terms that suit you. Pay a fixed amount for a fixed number of years No need to estimate mileage At the end of the agreement you own the car more about HP finance Personal Contract Purchase (PCP). Want a tailored and flexible finance plan with three final payment options? Pay an agreed amount across a pre-agreed term Set mileage limits so you don't incur extra costs At the end of the term, you can buy the car, return it or use it as a part exchange more about PCP finance things we often get asked. Getting your car on finance allows you to spread the cost of your car over a number of months or years. It can be quite complex, so we’ve put a list of the questions together we get asked most. Should I buy a car on finance? There are benefits to buying a car on finance, but the decision all depends on your own finances and your preferences. When you take out a finance agreement, you are forming what is referred to as a ‘tri-party' agreement. That means you, the manufacturer and the finance company each has a vested interest in the car until your agreement ends, regardless of how big a deposit you've paid. This can be useful if there are any problems, as the finance company are likely to fix them. Taking out a finance agreement as opposed to buying a car outright also means you don’t have to fork out one big lump sum for the car. But bear in mind you will be paying monthly payments. What's the difference between PCP, HP and a personal loan? Can you apply for car finance to be in joint names? If you’re applying for car finance, it must be in your name only. Can car finance be paid off early? It all depends on your finance agreement, just speak to one of our business managers. Can car finance be transferred to another car? No it can’t, refinancing is available though if you owe more than what your car is worth. Will a car finance application have an impact on my credit rating? Speak to one of our Business Managers if you'd like to find out more about this. Can I part exchange my current car? Yes. To find out more about part exchanging your car, head to our . Can I get car finance if I have bad credit? It depends on your individual circumstance. But what we can say for sure is that we work with a variety of lenders to find the right deals for our customers, and they specialise in offering . If you’d like to find out more, get in touch. Can you buy used cars on finance? You sure can, find out about our different car finance options above. more advice about choosing car finance. Don’t worry if you’re still undecided on what your best option is, there’s loads more information to help you decide right here in our guides. Car finance options The best car finance option for you will vary depending on your circumstances and needs. Read our guide to choosing the right option. learn more how does HP work? If you’re considering a Hire Purchase agreement, read our handy guide and get clued up on the particulars. learn more what is PCP? Find out if a Personal Contract Purchase could be the right choice for you by reading our guide. You’ll find all the details you need to know about PCP. learn more zen out of zen. 4.9/5 Based on 8072 reviews. Powered by search 1000s of cars today. shop all cars Enquire Freephone: 08082506281 About Us Contact Us Help & Support CarShop Car Quality COVID-19 FAQs Used Cars Ways to Buy Car Finance Part Exchange Service & MOTs Products Careers Latest News Sitemap Used Automatic Cars Used Manual Cars Used Electric Cars Used Hybrid Cars Used Family Cars Used Small Cars Used Luxury Cars Used Convertible Cars Used SUV Used 4x4 Facebook Twitter Instagram LinkedIn YouTube Visa Mastercard © Copyright Car Shops Ltd 2021. All rights reserved. Car Shops Limited is authorised and regulated by the Financial Conduct Authority (FCA) for consumer credit activities. Our Firm Registration Number (FRN) is 447727. Car Shops Limited is also an Appointed Representative of Sytner Group Limited, which is authorised and regulated by the FCA for Insurance Mediation Activities, under FRN 310540. Registered Office: 2 Penman Way, Grove Park, Leicester, LE19 1ST Registered No: 05331512 VAT Registration No: 610 6250 86 Cookie Policy | Privacy Policy | Terms & Conditions | FCA Status Disclosure | Accessibility Modern Slavery Statement | Gender Pay Gap Open live chat Use of Cookies We use cookies to give you the best possible experience of our website, to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our website with our social media, advertising and analytics partners. By clicking “Accept All Cookies”, you agree to the storing and use of cookies on your device. You can edit your cookie preferences by clicking "Cookie Choices". Accept All Cookies Cookie Choices