You pay an initial deposit, followed by monthly payments. At the end of your payments a final balloon payment remains. You can either pay this in order to keep the car, part exchange for a new car, or hand the car back.

Buy a used car between 15th - 22nd April
and enjoy a free gift!

Customise your Car Finance

Q: What is PCH?

You take control of the car for a contractual period. You make fixed monthly payments. When the contract expires you return the car, or take out a contract on a new one.

Q: I’m in negative equity with my current car - can I still get finance?

That doesn’t matter. We can advise you on the ideal time to change your car - pop into a branch and speak to one of our Sales Staff. We also have lenders who can underwrite this type of finance, normally offering a Personal Loan facility based on your credit score and not on the vehicle.

We've made it easy for you to build and customise your finance deal at home.

Minimum Monthly Payment

Maximum Monthly Payment

(Based on a term of 60 months)

Selling your car?

Get a free valuation in 30 seconds.

Finance

Car finance at
Arnold Clark

Low-rate finance from 8.9% APR representative

Our finance rates start at 8.9% APR representative across our used car range. And there are no hidden fees - the price you see is the price you pay.

Customise your finance quote to suit your budget

Customise your finance quote to suit your budget. Choose your finance type, deposit, term and annual mileage allowance.

PCP, PCH or HP?

Find the best finance
option for you.

PCP (Personal Contract Purchase)

PCP is perfect for drivers who:

Want lower monthly payments;
Might want to change their car at the end of their agreement;
And can estimate their annual mileage.

At the end of the agreement you have a few options:

Hand the car back
Pay an optional final payment and keep the car
If your car is worth more than the final payment, you can trade it in and use the excess towards a deposit on your next car.

Learn more about PCP

PCH (Personal Contract Hire)

PCH benefits drivers who:

Want lower monthly payments;
Don't want to own the car at the end of their agreement;
And don't want to change their car during the agreed term.

At the end of the agreement:

You won't have a larger payment to own the vehicle.
You can simply hand the car back and order a new car.

Learn more about PCH

HP (Hire Purchase)

HP is ideal for drivers who:

Want to own their car outright at the end of the agreement;
And cover a lot of miles.

At the end of the agreement:

You won't have a larger final payment.
When you've made all of the monthly payments, the car is yours.

Learn more about HP

Still not sure which finance option is best for you?

Find out more

Arnold Clark App

Keep track of
your agreement

Download The Arnold Clark App

With the Arnold Clark mobile app, you can access your finance details, view your car payment plan, and schedule and track your mileage!

Download the Arnold Clark app today.

FAQs

Frequently asked
questions

I'm in negative equity with my current car - can I still get finance?

We can help you to work out the ideal time to change your car - pop into a branch and speak to one of our product consultants. Some of our lenders may be willing to underwrite this type of finance, either as an unsecured personal loan or a hybrid finance arrangement, where the car is on a secured agreement but the negative equity on a personal loan.

What do you need to finance a car?

You simply need your debit or credit card (to pay the initial deposit) and your driving licence, as a form of identification.

Can I still get finance with a bad/poor credit rating?

That doesn't necessarily mean you won't be able to arrange a finance deal with us. We work with more than 20 lenders to find the right finance package. Just let us know if you know you have a poor credit score, and we will try to match you with the most appropriate lender. Speak to one of our product consultants for more information.

What is PCP?

You pay an initial deposit, followed by monthly payments. At the end of your payments, a final larger payment remains. You can either pay this to keep the car, part-exchange for a new car, or hand the car back.

What is PCH?

You take control of the car for a contractual period and make fixed monthly payments. When the contract expires, you return the car, or take out a contract on a new one.

What is HP?

You pay an initial deposit, followed by monthly payments which are set by you. Once the final payment is made, the HP contract ends and you own the car.

Start your search

Reviews

What our customers
have to say

Arnold Clark Automobiles Limited is authorised and regulated by the Financial Conduct Authority for general insurance and consumer credit purposes. We act as a credit broker sourcing credit to assist with your purchase from a carefully selected panel of lenders. Lenders will pay us a fee for these introductions (click here for details including our panel of lenders and disclosure statement). Offers subject to status, terms and conditions.