Car Hire Purchase (HP) is probably the simplest type of car finance plan. A great benefit of HP is that it is not always necessary to pay a deposit - it is a straight repayment with no penalties if you decide to pay it off early. Once approved, the finance company will set you a limit and the payments can be made over a term from 12 months to 60 months. You are in complete control as you can use our calculator to work out the amount needed to borrow. The loan is secured against the car, and the finance company remove their interest once the final payment has been made.
However if you are ever unsure, please don’t hesitate to call one of our friendly staff members who can help you out.
Main benefits of HP
- Fixed regular payments for easy budgeting
- No deposit needed
- Complete ownership at the end of the agreement
- No deferred lump sum to pay
- No restriction on the type of car
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