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Personal Car Finance

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We offer personal car finance for those who do not want to buy a brand new car outright or simply can't afford to. Personal financing of vehicles is becoming more and more popular.

We have a number of makes and models for you to choose from, which vary in price range and appearance. As professionals, we can help you choose the right motorcar and contract for you by looking into your budget and your preferences.


If you would like to talk to one of our advisors, please complete our enquiry form with your details and we shall get right back to you. You can look here - to see how a Kia can be a great option for you. 

Car Financing Deals Near Me

Getting a vehicle is not a easy decision. From purchasing in full to investing in a motorcar through lease, there are many possible options. You'll have to consider running prices. Cars are among the most costly things that people purchase within their life. You must choose a top rated vehicle financing corporation as a way to ensure you obtain the very best offers. 

While individuals invest time evaluating and contrasting different models and then haggle hard to get the costing down, the amount of individuals who take time to scour the marketplace for the very best motor finance offer is much smaller as a result.

However, paying out over the odds to borrow the cash to buy a vehicle can certainly get rid of any reduction you get on the expense paid and make the vehicle cost a lot more in general. It's important to inspect interest rates and also the costs available to make sure you don’t end up paying more than you have to. All our car lease deals are fully authorised and regulated by the Financial Conduct Authority.

What is Personal Contract Hire?

Personal Contract Hire is a type of finance which can be set up for individual customers. This type of financing allows individuals to 'rent' the vehicle by paying an upfront deposit followed by fixed monthly payments which are paid throughout an agreed period.

One way of getting a car lease by top rated specialists is making use of Hire Purchase (HP); this calls for payments over 12-60 months following putting down a deposit of 10% in most cases. If you're searching for Personal Contract Hire (PCH), this may be set up through a nearby motorcar dealer closest to you.

For this kind of financing, you will not own the automobile until you have paid the final instalment; this is due to the loan is secured against the vehicle. PCH is probably the most popular types of getting a motorcar financed.

Low Monthly Finance Cars Near Me

If you're searching for lower monthly instalments, it is recommended to use a personal contract plan which is a type of financing offer on HP. Instead of paying for a vehicle outright, you agree to pay the difference between the sale price and its price for reselling back to the local dealer in your surrounding area.

The annual mileage will have an impact on the regular monthly price. Payments could be spread over 12-36 months instead. If you wish to keep the car once the term is over, you can buy it for the reselling cost; otherwise you can either give the vehicle back or trade it for another vehicle which means that you'll have to start the payments all over again.

Similar to a loan, a PCP financing plan will require putting down an initial deposit in addition to monthly instalments - what individuals like most about this plan is the instalments are typically much smaller in comparison with others. The reason for this is that PCP offers require a big final sum or 'balloon payment' to be paid before the motorcar becomes yours.

It's not just cars that you can personally finance, you may also lease a motorbike or bicycle. Find out more here Leasing a bike makes it much easier which is why it is so popular.

Personal Auto Financing

Getting a car financed through personal financing means you may pay monthly instalments and get servicing within this, providing you do not go further than the particular mileage agreed upon. You've got to give the car back to the dealership once the arrangement ends. In a personal finance contract, the motorcar doesn't ever to you.

The benefits on this is driving at a set monthly cost without any concerns about the motorcar depreciating in worth. We offer Land Rovers as well other manufacturers that are ideal for what you need. 

How much does it Cost to Finance a Car?

There is not fixed price when asking the question 'how much does it cost to finance a car?'. There are a range of things you will need to take into account. One of the biggest things that will alter the price is the make and model that you choose.

Obviously certain makes will be cheaper than others. You will also need to decide how long of a period you wish for your finance to be spread over. The longer the contract lasts for the cheaper the monthly instalments will be generally. 


As you compare auto financing there are several crucial things to do before you make a final decision. Ensure you are able to afford the monthly instalment. You'll also want to look at various interest rates. Keep in mind a greater deposit will usually mean a more affordable rate of interest.

It is advisable to assess all the charges over the agreement. Insurance coverage like GAP cover and Payment Protection Insurance might be pricey and might not offer full cover, so make sure you consider carefully before you accept this. If you have written your vehicle off and your remaining finance is higher than your car’s worth, GAP coverage will pay out.

Beware of early repayment or other fees which start working in the event you go beyond the forecast mileage in personal car finance contract plans (and also private car leasing). 

Other Finance We Offer

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If you'd like to speak to us about financing a new vehicle, please complete our enquiry form which is provided on this page and we will respond with answers to any concerns you may have.

As experts in personal car finance we aim to offer the best deals so that you get the greatest value for money.

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