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Discover your options for Car Loan, Hire Purchase and PCP Financing.

Rates from 9.9% APR: the exact rate you will be offered will be based on your circumstances, subject to status.

Representative example: Borrowing £6,500 over 5 years with a representative APR of 21.9%, an annual interest rate of 21.9% (Fixed) and a deposit of £0.00, the monthly payment would be £172.09 per month, with a total cost of credit of £3,825.40 and a total amount payable of £10,325.40.

We look to find the best rate from our panel of lenders based on your eligibility. We don’t charge a fee for our service, but we do earn a commission. This does not influence the interest rate you’re offered in any way. Feel free to contact ourselves for more information.

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Complete our enquiry form

You can start a comparison with just a few details. We use these to find the best quotes for you.

We find you the best deals

We look at your specific requirements to compare whats available through our nationwide search tool which you can also change to search for alternative vehicles*

Speak to our expert advisors

Once you’ve selected the perfect deal for you, a member of our team will take care of the rest.

*Please click our Used Car Search Terms and Conditions here for the details of how this works.

  • Hire Purchase
  • Personal Contract Purchase

What is Hire Purchase?

Hire purchase (HP) is a way of financing a car without paying the entire cost upfront. At the beginning of the contract you pay a deposit, and receive the car.

Throughout the duration of the contract you will continue to pay a monthly payment and at the end of the contract the car is completely yours.

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What is Personal Contract Purchase?

A personal contract purchase (PCP) is a car financing option that offers lower monthly payments than a personal loan or vehicle hire purchase.

Instead of paying off the entire cost of the vehicle, you are only required to pay a fraction of it. You may find it beneficial if you like to get a new vehicle frequently.

check No admin fees
check Hassle-free sign up process
check Direct supplier relationships

Frequently Asked Questons.

To compare hire purchase or personal loans for vehicle finance, there are a few details we’ll need from you to find the best quotes.

These are:

  • Your address.
  • Contact details.
  • Your income, expenditures and employment.
  • How much you wish to borrow.
  • How long you would like to borrow for.

Yes, we can compare hire purchase agreements and personal loans for used cars.

Missing a loan repayment can have negative consequences, so ensure to speak to your loan provider if you are falling behind with repayments. It could result in the lender repossessing the vehicle.

A missed payment could harm your credit score or even result in a county court judgement against you.

A soft search checks if you may be eligible for a loan without leaving a mark on your credit report. It’s a useful way of finding a loan without harming your chances of being accepted.

Most lenders do not require a deposit for you to go ahead, but don't worry if the car you choose does need one, as we will advise you straight away and you will be free to look for another car. A personal loan does not require a deposit at all. As long as you can keep up with the monthly payments, this option will help you finance a vehicle without having to pay a deposit.

When comparing on our website, there will be no impact on your credit score because it will only be a ‘soft search’. When applying for a loan, a credit check is carried out which could impact your credit score. When you compare with Sensible, we will only do a ‘soft search’ and won’t impact your credit score in any way.

APR stands for Annual Percentage Rate and takes into account the interest and fees you’ll pay on money you borrow.

When borrowing from credit cards, you can avoid paying interest if you pay your balance in full each month by the due date.

If you are still paying for the car you will be unable to sell it unless you settle the outstanding finance with the lender first. This is because until you have paid the finance in full, it is not legally yours.

If you have paid off the car in full, you will be able to sell it if you choose to.

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