PCP, HP and personal lease - underwritten by a curated panel of UK prestige lenders. Indicative figures in five minutes; full applications in 24–48 hours.
We’re paid by the cars we sell, not by the lender we steer you toward. Tell us the vehicle and your circumstances; we’ll structure terms that genuinely fit. No commission-driven nudges, no hidden tiers.
Our panel covers the prestige and performance bracket specifically - the rates and structures available through high-street lenders rarely make sense for cars at this level. Soft-search first, formal application only when you’re ready to commit.
20+
Years Arranging Finance
6+
Lenders On Panel
24h
Typical Decision
100%
FCA Regulated
01 / Most Flexible
Personal Contract Purchase
Lower monthly payments, with a deferred final payment that defers the ownership decision to the end of the term. Best for buyers who change vehicle every 2–4 years or want to keep options open.
Lowest monthly payments of the three
Three exits at end: keep, return, refinance
Annual mileage agreed up-front
Deposits typically 10–20%
02 / Path To Ownership
Hire Purchase
Fixed monthly payments across the term; the car is yours at the final instalment. Higher monthlies than PCP, but no balloon, no mileage cap, and full ownership at the end.
You own the vehicle at the end
No mileage limits
Settle early without penalty
Best for long-term keepers
03 / All-Inclusive
Personal Contract Hire
Effectively a long-term rental with predictable monthlies and no end-of-term decisions. Hand the car back at term-end. Often paired with a maintenance package for a single fixed cost.
Lowest commitment of the three
Optional maintenance packages
Hand back at end of term
Best for hassle-free use
Pick a vehicle from our collection or send a target spec. We’ll confirm price, structure options and any part-exchange figure.
A short application runs a soft credit search across our lender panel. Decision typically inside 24 hours. No mark on your file.
We walk through the offer line-by-line. You sign electronically when you’re happy, and the lender pays the balance to us.
Collection from our Bromley showroom, or enclosed transport to any UK address. Aftercare guidance for the life of the agreement.
If yours isn’t covered here, our team can answer most queries the same day - 020 4613 1470 or email [email protected].
No. Initial enquiries and pre-approvals run as a soft search, which leaves no mark on your credit file and isn’t visible to other lenders. A full credit search is only run when you sign the formal application.
Most lenders on our panel require 10–20% on PCP and HP. Larger deposits reduce the monthly figure but aren’t mandatory above the lender minimum. Part-exchange equity counts toward your deposit.
Yes. Both PCP and HP can be settled at any point; the lender provides a settlement figure on request. Some lenders apply a small early-settlement charge - we’ll show you the full cost up-front before you sign.
Three options: pay the optional final payment and keep the car; hand it back (subject to mileage and condition); or use any equity above the final payment as a deposit on a new agreement. We’ll be in touch in the final months to walk through your choices.
Yes - business contract hire, business contract purchase and director’s personal guarantee structures are all available. Several lenders on our panel specialise in this; ask the team for a structure that pairs with your accountant’s preferences.
Worth a soft-search anyway. Our prestige panel takes a more rounded view than scorecard-only lenders - income, asset position, deposit size and reasons for any past issues all weigh in. We’ll tell you straight if a structure can’t be made to work.
Send us a few details and we’ll come back with indicative figures and the right structure for your circumstances. Soft-search only - nothing on your credit file until you say go.
Prefer a phone call? 079 079 07991