See cars available on finance near you

Everything you need to know about car finance

  • Car finance explained
  • Compare finance options
  • Try our finance calculator

What is car finance?

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    1. Find your perfect car

    Search through thousands of quality checked cars on heycar and find the right one for you. All our cars are less than 8 years old and come from trusted dealers.

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    2. Apply for finance

    Keep your options open, spread your payments with clear, flexible finance that suits you. It's quick and simple to apply online.

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    3. Buy your car online

    Simply complete your order with a £99 reservation fee. All cars come with a 10 day money back guarantee and a minimum 30 day warranty.

  • Car finance tailored to you

    Personal Contract Purchase (PCP)
    Financing graphic for PCP finance
    With PCP finance, you make equal monthly payments over an agreed term. At the end of the agreement, you can decide to hand the car back to the lender, change it for another one or buy the car with an 'optional final payment'.

    Find out more about PCP
    OR
    Hire Purchase (HP)
    Financing graphic for HP finance
    HP finance allows you to spread the cost of the car by making monthly payments over an agreed term. It could be right for you if you want to buy the car at the end of the agreement, without making a large final payment.

    Find out more about HP

    How much can you afford on an HP contract?

    Find the right HP finance deal for you with fixed, monthly payments to suit your budget.

    Enter details of what you are looking for in your HP deal

    Estimates are based on a representative APR of 12.4%. To get a personalised APR speak to the dealer.

    Estimated payments on a Hire Purchase (HP)

    These estimates are subject to credit checks and may change when you apply for finance.
    An HP contract allows you to buy a car outright over a fixed period.

    £0.00

    Total monthly payment for a 12 month term

    Representative APR

    12.4% APR

    Total cost of credit

    £0.00

    Total amount payable

    £0.00

    View all cars that match my estimates

    Looking for a Personal Contract Purchase (PCP)?

    This calculator is for HP finance only. To estimate your monthly payments for PCP finance, simply find a car on heycar and scroll down the car’s details page. You'll find the calculator to estimate PCP finance payments there.

    How much does car finance cost?

    It's important to assess the affordability of PCP or HP to your own situation and needs before making a decision. See below an example of how HP compares to PCP for an example car costing £22,995.



    PCP (Personal Contract Purchase): £408.83/m

    Optional final payment: £10,652.50

    Total amount payable: £28,410.55

    Representative APR: 12.5%

    HP (Hire Purchase): £647.68/m

    Vehicle is owned outright at term end

    Total amount payable: £26,775.48

    Representative APR: 12.5%

    Lender: Volkswagen Financial Services (UK) LimitedLender: Volkswagen Financial Services (UK) Limited
    Contract length: 36 monthsContract length: 36 months
    Customer Deposit: £3,449.00Customer Deposit: £3,449.00
    On the road price: £22,995.00On the road price: £22,995.00
    Total amount of credit: £19,546.00 Total amount of credit: £19,546.00
    Optional final payment: £10,652.00Optional final payment: £10,652.00
    Total amount payable: £28,410.55Total amount payable: £26,775.48
    Option to purchase fee**: £10.00Total amount payable by customer: £26,775.48
    Total amount payable by customer: £28,410.5535 monthly payments: £647.68
    35 monthly payments: £408.83Representative APR: 12.5%
    Representative APR: 12.5%Interest rate (fixed): 12.5%
    Interest rate (fixed): 12.44%
    Mileage per annum: 10,000
    Excess mileage charge***: 6ppm
    PCP: At the end of the agreement there are three options: i) pay the optional final payment and own the vehicle; ii) return the vehicle: subject to excess mileage and fair wear and tear, charges may apply; or iii) replace: part exchange the vehicle. *Acceptance Fee/Admin fee ¿ not required. **Option to purchase fee - Payable at the end of your agreement. ***Excess mileage - Excludes VAT at the current rate. With Solutions Personal Contract Plan. 18s+. Subject to status & availability. T&Cs apply. Ordered by 03 July 2023 from participating Centres. Indemnities may be required. Subject to changes in vehicle or equipment prices. Not available in conjunction with any other finance offer and may be varied or withdrawn at any time. Accurate at time of publication. Freepost Volkswagen Financial Services

    HP: Ownership transfers once the customer pays all charges and payments including the Option to Purchase Fee. *Acceptance Fee/Admin fee not required. **Option to purchase fee - Payable at the end of your agreement. With Hire Purchase. 18s+. Subject to status & availability. T&Cs apply. Ordered by 03 July 2023 from participating Centres. Indemnities may be required. Subject to changes in vehicle or equipment prices. Not available in conjunction with any other offer and may be withdrawn at any time. Accurate at time of publication. Freepost Volkswagen Financial Services.
    Heycar team is wonderful and their customer service is great. I was struggling to buy a car and then I ..."
    Guled has been an incredible support with my PCP deal, highly recommended, great customer service."

    Understanding car finance

    What is PCP car finance?

    Personal contract purchase, or PCP, is a way of financing a car without having to find the whole sum up front. Instead you pay a deposit and a monthly payment over an agreed term. At the end you have the option to walk away, refinance a deal on a new car or pay a balloon payment so the car is yours. 

    Can you get 0% finance on cars?

    Yes you can, but generally speaking you’ll need a good credit rating to get it and you may have to search around to find it. You won’t find zero per cent finance everywhere and you may find that dealers will only offer zero per cent on certain cars. The other terms of the deal may be more restricted too. 

    What is finance on a car?

    Car finance is a means of purchasing a vehicle without having to find all the money up front. Instead you make a financial agreement with the dealership (usually via a third-party finance house) so you get the keys to the vehicle and pay a deposit followed by monthly payments depending on the type of deal. 

    Can I sell a car which is on finance?

    Strictly speaking you can’t, because until you’ve made the last payment on a hire purchase deal, or the balloon payment on a PCP, you don’t actually own the car, so it’s not yours to sell. If you want to change your car, you either need to settle the outstanding finance or potentially make a new deal with a dealer, though this depends on the terms of your current finance. 

    The heycar promise

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    10 days money back guarantee

    We offer a 10 day money back guarantee on all our cars to give you that extra peace of mind.

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    A warranty with every car

    You'll get a minimum 30 day warranty on all cars on heycar so you can hit the road worry free.

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    Home delivery or collection

    Get your new wheels delivered straight to your door or to a dealership near you.