Car finance made simple

Flexible finance options to suit your budget and your lifestyle. Compare the ways to fund your next car, estimate your monthly repayments and apply online in just a few minutes.

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Ways to fund your car

Choose the finance that fits

Every driver is different, so we offer a range of finance products designed around how you like to own and run a car. Our specialists will talk you through each option in plain English.

Personal Contract Purchase (PCP)

Lower monthly payments with a deferred final balloon payment. At the end of the agreement you can pay to keep the car, part-exchange it for a new one, or simply hand it back.

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Hire Purchase (HP)

Spread the full cost of the car over fixed monthly instalments. There is no large final payment, and once the last instalment is paid the car is yours outright.

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Personal loan

Borrow the amount you need and buy the car as a cash purchase. You own the vehicle from day one, with fixed repayments and the freedom to sell or change it whenever you like.

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Finance calculator

Estimate your repayments

Enter a few details below to see a guide to what your monthly payments could look like. Adjust the deposit and term to find a balance that works for you.

Figures are illustrative only and do not constitute a finance quotation. Your actual rate and monthly payment will depend on the vehicle, your circumstances and a credit assessment.

Good to know

Car finance questions, answered

Some of the questions our customers ask most often before applying. If there is anything else you would like to know, our finance team is happy to help.

Am I eligible to apply for car finance?
To apply you will usually need to be at least 18 years old, a UK resident with three or more years of address history, and in a position to comfortably afford the repayments. All applications are subject to status and a credit assessment by the lender.
Can I settle my agreement early?
Yes. You can request a settlement figure from your lender at any time and pay off the remaining balance early. There may be a small early settlement adjustment, but you will never pay more than the total amount payable shown in your agreement.
Will checking my options affect my credit score?
When you check your eligibility with us we can run a soft search, which does not appear on your credit file and has no impact on your score. A full credit search is only carried out once you decide to proceed with a formal application.
What happens if I miss a payment?
If you think you may miss a payment, contact your lender as early as possible so they can discuss the options with you. Missed or late payments can incur charges and may affect your credit rating and your ability to obtain credit in the future.

Marshall Motor Group Limited is authorised and regulated by the Financial Conduct Authority (FRN 310503). Finance subject to status. Terms apply.

Ready to find your next car?

Apply online for a no-obligation finance decision, or talk to one of our specialists about the option that suits you best.

Apply online Browse used cars