Finance

We are experts in offering car finance to customers across the UK. If you have had trouble getting a used car elsewhere, then give us a call to see if we can help. 

We can arrange flexible finance deals to suit most budgets.

(Please note that if you want to use a 3rd party finance company there will be an additional charge of £299).

Car Finance Explained

There are three main types of finance deals that you might want to consider:

Hire Purchase

Sometimes just referred to as HP, this is a loan secured against the vehicle itself. This is a great choice for people who want to spread out the cost of their car. Typical HP deals involve a deposit and the rest of the balance is paid in instalments, plus interest. Once you’ve paid your final instalment, you own the car outright.

Personal Contract Purchase (PCP)

This is a good option for those who like to change their car every few years but don’t want to fork out a big sum each time. You will typically be asked to pay a deposit followed by monthly payments. At the end of the agreed period, for example, three years, you will have the option of paying the rest of balance, returning the vehicle or using any residual value on a deal with your next car.

Personal Leasing (Contract Hire)

Contract Hire deals are very much like the PCP deals described above, however, you won’t have the option to buy the car outright at the end of the deal. 

So, whatever your credit history, we are in a position to create the perfect finance solution for you. Get in touch with a member of our friendly team to find out what your options are.

Winchmore Car Sales Ltd trading as Winchmore Car Sales Ltd (firm reference number is 773222) is an appointed representative of Meridian Finance Partners Ltd which is authorised and regulated by the Financial Conduct Authority (firm reference number is 661646).

Winchmore Car Sales Ltd is acting as a credit broker and not a lender and can introduce you to a limited number of lenders and their finance products (a list is available on request)

The seller will not charge you a fee for an introduction, but will typically receive a commission from the lender should you enter into a finance agreement. These commissions may vary and do not influence the interest rate you will pay. If you have questions about seller commission, please speak to the seller.

Some sellers may charge you an admin fee that will be separate to your finance agreement. They should always let you know upfront if there is an admin fee to pay, and they will explain what it's for.

Representative finance examples are for illustrative purposes only. Finance is subject to status and credit acceptance. Terms and conditions apply. Available to 18s and over & UK residents only. Guarantees and/or indemnities may be required. Excess mileage and damage charges may apply when the vehicle is returned.