How do I apply for finance?

Applying for finance is easy to do directly on our website:

1️⃣ Find your next car
2️⃣ Use the finance calculator to see available options
3️⃣ Choose “Buy with finance” and head to checkout
4️⃣ Complete your finance application

⏱️ You’ll usually get a decision within 24 hours
📄 If approved, you’ll receive a digital finance agreement to review and sign

Important:

✔️ The finance agreement must be in the main driver’s name
✔️ Make sure the monthly payments are affordable alongside your usual expenses

Do I need to pay a deposit?

We offer flexible deposit options, including:

✔️ £0 deposit finance
✔️ Any deposit amount from £1 upwards
✔️ Using a part‑exchange as your deposit

✅ If your part‑exchange has outstanding finance, we can settle it for you

👉 Find out more about part exchanging

Can I change my finance application?

Yes, before accepting your offer you've got the option to make changes.

Click “Not happy with offer” to change:

✔️ Term
✔️ Mileage
✔️ Car
✔️ Address

Submitting a new application may trigger another credit check and your deposit/monthly payments may change. Once submitted, you won’t be able to go back to your original offer.

How will my monthly payments work?

Your payment depends on:

✔️ The car’s value
✔️ Your deposit
✔️ Finance term
✔️ Finance type (PCP or HP)

📅 Your first payment is usually taken around one month after you receive the car, then monthly until the end of your agreement.

📄 For exact details, check your finance agreement or contact your lender directly.

Estimate your monthly payments

You can use our finance calculator to get an estimate:

1️⃣ Choose a car
2️⃣ Enter your deposit, mileage, term and credit score (optional)
3️⃣ See available PCP and HP options

✔️ Estimates are based on a representative APR
✔️ Subject to credit checks and may change when you apply