Car Finance Manchester
Flexible car finance options with competitive rates. Quick approval and tailored solutions for your budget.
Car Finance Options
Choose the finance option that best suits your needs and budget
Hire Purchase (HP)
Spread the cost over fixed monthly payments. Own the car at the end of the agreement.
- Fixed monthly payments
- Own the car at the end
- Flexible terms (12-60 months)
Personal Contract Purchase (PCP)
Lower monthly payments with optional final payment. Keep, return, or part-exchange the car.
- Lower monthly payments
- Optional final payment
- Flexibility at the end
Lease Purchase
Fixed monthly payments with a final balloon payment to own the car outright.
- Fixed monthly payments
- Final balloon payment
- Guaranteed ownership
Why Choose Our Car Finance?
We make car finance simple, affordable, and accessible for everyone
Competitive Rates
Some of the best finance rates in Manchester, starting from just 5.9% APR
Quick Approval
Get a decision in minutes, not days. Simple online application process
All Credit Types
We consider all credit histories. Good credit, bad credit, or no credit
No Hidden Fees
Transparent pricing with no hidden charges or arrangement fees
Finance Calculator
Estimate your monthly payments with our easy-to-use finance calculator
Amount to Finance
£13,000
Monthly Payment
£398
Total Repayable
£16,328
Simple Application Process
Get approved for car finance in 4 simple steps
Choose Your Car
Browse our extensive selection of quality used cars
Apply Online
Complete our simple online application form
Get Approved
Receive a decision within minutes of applying
Drive Away
Complete the paperwork and drive away in your new car
Apply for Car Finance
Frequently Asked Questions
Common questions about car finance answered
What is the minimum deposit required?
We typically require a minimum deposit of 10% of the car's value, but this can vary based on your credit history and the specific finance deal.
Can I get car finance with bad credit?
Yes, we consider applications from people with all credit histories. While rates may be higher for those with poor credit, we have options available for most situations.
How quickly can I get approved?
Most applications receive a decision within minutes. Once approved, you can typically drive away in your new car within 24-48 hours after completing the paperwork.
What's the difference between HP and PCP?
With Hire Purchase (HP), you own the car at the end of the agreement after making all payments. With Personal Contract Purchase (PCP), you have lower monthly payments and can choose to return the car, part-exchange it, or pay the final balloon payment to own it.
Are there any hidden fees?
No, we believe in transparent pricing. All costs are clearly explained upfront, and there are no hidden arrangement fees or charges.