Call Now Start Directions Home Browse Our Cars Finance Bad Credit Value Your Car Why HPL Servicing Dealerships Soft Search Basket Home > Finance Car Finance We’ll help you figure out the best way to finance your next vehicle What is Vehicle Financing? Finance is increasingly becoming the preferred payment method to purchase a vehicle. It covers a range of options with differing benefits but all provide an alternative payment method to buying your vehicle outright in one large payment. It’s important to take a close look at all of the available options as there’s no singular best choice. Instead, you need to find the finance option that’s most suited to your personal situation and will bring you the biggest benefit depending on your needs. Some of the main things to consider are: Your own personal finances Whether you want to own the car at the end of your contract What kind of mileage you typically do Whether the car will be used for personal or business use Finance Product Business/Personal Use Will You Own The Car At The End Of The Agreement? Will There Be A Mileage Limit? Personal Contract Hire Personal No Yes Personal Contract Purchase Personal Up To You Yes Hire Purchase Business/Personal Yes No Finance Lease Business No Yes Business Contract Hire Business No Yes Lease Purchase Business Yes No Personal Loan Personal Yes No Balloon Hire Purchase Business/Personal Yes No What types of finance are available? At HPL Motors we can support you with various types of finance packages. The three most popular types are typically Personal Contract Hires, Personal Contract Purchases and Hire Purchases. Personal Contract Purchase Hire Purchase Personal Contract Hire Flexible Finance For You For a quick look at what finance options are available to you, fill out our flexible finance form for an answer in just 60 seconds. Alternative Dispute Resolution (ADR) Process Heaton Park Garages Ltd is authorised and regulated by the Financial Conduct Authority (FCA), 25 North Colonnade, Canary Wharf, London, E14 5HS. PFIS Limited’s Financial Services Register number is 733528. You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768. What to do if you have a complaint If you wish to register a complaint regarding the sale of either a General Insurance policy or a Consumer Credit Agreement, please contact us either in writing to: complaints@hplmotors.co.uk 396 Manchester Road, Oldham, OL97PQ or call 0161 766 2374. Making the car buyers journey swift, simple and fun We aim to make finding and buying your new car a stress-free experience Discover More Sign-up for our newsletter for our latest news and offers Subscribe About us Careers Meet The Team Privacy Policy Dealerships News Our Used Cars Near You Cookie Policy Blog Anti Slavery Statement Finance First PRESTON BRANCH Bluebell Way Preston, PR2 5PZ T: 01772 846 316 E: prestonsales@hplmotors.com Weekdays: 08:30 - 20:00 Saturday: 09:00 - 18:00 Sunday: 11:00 - 17:00 OLDHAM BRANCH 396 Manchester Road, Oldham, OL9 7PQ T: 0161 620 8773 E: sales@hplmotors.com Weekdays: 08:30 - 20:00 Saturday: 09:00 - 18:00 Sunday: 11:00 - 17:00 ATHERTON BRANCH 1 Bolton Road, Atherton, M46 9JQ T: 01942 886 689 E: atherton@hplmotors.com Weekdays: 09:00 - 19:00 Saturday: 09:00 - 18:00 Sunday: 10:00 - 17:00 Heaton Park Garage Limited is an Appointed Representative of Automotive Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Heaton Park Garage Limited to act as an agent on behalf of the insurer for insurance distribution activities only. We are regulated by the Financial Conduct Authority for Consumer Credit. We act as a credit broker not a lender, we source credit to assist with your purchase from a limited panel of lenders. Lenders typically pay us a fee for these introductions. All offers and credit subject to status, terms and conditions. Get car finance in 60 seconds Get A Quote Now