Bespoke Vehicle Finance

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Personal Contract Purchase (PCP) is a flexible car finance option ideal for drivers who like to change their vehicle every few years. With lower monthly payments and multiple end-of-term choices, PCP lets you drive a newer car more affordably. At the end of the agreement, you can choose to return the car, upgrade it, or pay a final balloon payment to own it. PCP car finance is perfect if you want low monthly costs and the freedom to switch cars regularly.

Hire Purchase (HP) is one of the most straightforward ways to finance a car. You spread the cost with fixed monthly payments, and once the final instalment is made, you own the vehicle outright. There are no mileage limits, and no large final payments – just simple, clear terms. HP car finance is a great option if you’re looking for ownership and long-term value with manageable monthly costs.

Lease Purchase (LP) combines the benefits of low monthly payments with the option to own the car at the end of the term. It’s similar to Hire Purchase but includes a balloon payment, which helps reduce monthly costs. Lease Purchase car finance is ideal for those planning to keep the vehicle long-term, especially on higher-value or performance models, and who want more affordable monthly instalments.