Car Finance

Before you hand over your cash, make sure you’re not missing out!

Have you considered using motor finance to purchase your next vehicle? Unlike a personal loan, which may be secured against your house or other assets, with motor finance, the loan is only secured against your vehicle.

​If your application is first declined by our finance providers due to it not meeting their criteria, we may be able to use a referral service by passing on your application to another broker for their review and consideration.

​We know that purchasing a vehicle is a big investment for most people and we’re dedicated to making the buying process as straightforward and hassle-free for our customers as possible. We can help you create a finance package that could get you behind the wheel of your dream car.

Finance is often a major part of our customers’ car-buying journeys, so we have taken the necessary steps to offer some great packages as well as peace of mind. We have developed relationships with a wide range of lenders for your convenience.


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 the 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 an 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.


VL Autos Ltd is authorised and regulated by the Financial Conduct Authority for Limited Permission Credit Broking, our FCA Firm Reference Number 990361.

We are a credit broker and not a lender.

We work with a number of carefully selected credit providers who may be able to offer you finance for your purchase. All finance applications are subject to status and income, terms and conditions apply, UK residents only, 18s or over. Guarantees may be required.

When a customer deals with a third-party finance company we charge an admin fee of £200.

Registered in England & Wales: 14381453
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Dealer Finance

What is PCP?

What is HP?