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Learn moreLooking for Hire Purchase (HP) car finance? Try our handy car finance calculator before you apply.
These estimates are subject to credit checks and may change when you apply for finance.
48 monthly payments of
This calculator does not consider any other applicable fees that may be present, such as delivery, admin or optional extras.
Both Hire Purchase (HP) and Personal Contract Purchase (PCP) allow you to pay for your car in monthly instalments over an agreed period, with a fixed rate of interest.
During your application, you'll typically need to give some personal details, employment details, address history, bank account details and a copy of your photo driving licence.
If you apply for finance, a lender will run a hard credit check on your credit profile. Too many hard credit checks over a short period can affect your credit score for six months, which could reduce your ability to get approved for credit.
The time it takes to get a car finance decision depends on the lender you're applying with and their process. We suggest checking your chosen lender’s website where they may include more details.