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We are proud to offer an
extensive range of flexible and affordable car
finance options for UK customers.

Car Finance Options

Working closely with dozens of specialist lenders across the country, we’ll help you find the best car finance options to suit your requirements and budget.

Best of all, our affordable car buying finance options are open to poor credit applicants, who may be unable to qualify with mainstream lenders. Just as long as you can comfortably afford the repayments, our used and new car finance options could be just the ticket!

Submit your online application for an immediate decision, or contact the team at poorcreditcarfinance.co.uk for more information!

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Car Finance Options Explained

We understand that making sense of so many car finance options can be tricky. To help, we’ve provided a summary of three different car finance options you may be interested in below:

You will become the owner of the vehicle once you have paid the agreed amount in full.

Hire Purchase (HP)

The most popular of all car finance options is the hire purchase agreement.

Borrowers repay the loan and all associated borrowing costs by way of a series of monthly repayments, along with an additional fee at the end of the loan term to take ownership of the vehicle.

Benefits of hire purchase:

  • No lump sum cash payments required
  • Affordable monthly repayments
  • A good car finance option for bad credit
  • Ownership of the car at the end of the term

Personal Contract Purchase (PCP)

The only difference between personal contract purchase and hire purchase is the option to either purchase the car or hand it back to the lender at the end of the term.

The price payable to take ownership of the car at the end of the term is agreed when the contract is first entered into.

Benefits of personal contract purchase:

  • The lowest possible monthly repayments
  • Maximum flexibility
  • The opportunity to regularly update your car
  • No requirement to purchase the vehicle

Conditional Sale

A conditional sale is an interesting car finance option that attaches no fees whatsoever at the end of the loan term.

Monthly repayments are made as with the other car finance options, but the car remains the property of the lender until the loan is repaid in full.

Benefits of conditional sale:

  • No final purchase fees payable
  • Higher monthly repayments, lower overall costs
  • Excellent flexibility and accessibility

If you’re still struggling to make sense of the different car finance options available, we’re here to help.

Contact a member of the team at PoorCreditCarFinance.co.uk for more information.

If you are keen to get started use our bad credit car finance calculator to get an instant decision of whether or not we can get you fast car finance in the UK

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get in touch
or request a call back?
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What Our Customers Say

Don’t just take our word for it – check out what some of our satisfied customers have said about

  • Helpful and informative

    “From not knowing what car I wanted right through to getting accepted he was really helpful and informative. Good company to go with if your credit isn’t the best!”

    Ian Campbell

  • My advisor was perfect, 5 Stars

    “I have a less than perfect credit history. My advisor, was awesome. She made the procedure easy and kept me informed every step of the way. All done in 1 or 2 days if you have your IDs to hand… perfect 5*****.”

    Glen Johnson

  • Made my life so much easier

    “After pretty much giving up hope on getting finance for a car, a friend suggested the Poor Credit Car Finance site. After speaking to the fantastic Josh, he made the whole process hassle-free, easy to understand and was super-helpful.”

    Gary Randell

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