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.

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.

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.

I would like to apply for finance - what documents do I need to bring?

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

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.

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 for everyone. Please do make our team aware if you know you have a poor credit score - it means we can find the right finance option more efficiently. Speak to one of our Sales Staff for more information.

Car finance payment calculator

Try our car loan calculator to find your perfect car within your budget

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Based on a term of 60 months.

Why choose Arnold Clark for finance?

Finance packages from 24 car manufacturers
Competitive finance rates from over 20 providers
We offer a range of finance options to suit you

Drive away the same day without waiting for funds to clear
Simple application process – all you need is your debit/credit card and driving licence

Finance made simple

Types of car finance

Our guide explains three of the most popular ways to finance your car to help you decide which option is right for you.

What happens when PCP car finance ends?

We explain the options available to you when your Personal Contract Purchase (PCP) comes to an end.

Leasing or buying, which is better?

Car leasing is becoming increasingly popular in the UK. We take a look at the reasons why it could work for you.

Customise your finance

Did you know you can tailor your finance quote to suit your needs? This is available on select cars, all we need is your monthly budget. Look out for the option when viewing a car detail page as shown in the screenshot.

Search all cars

Frequently asked questions

I would like to apply for finance - what documents do I need to bring?: You simply need your debit or credit card (to pay the initial deposit) and your driving licence, as a form of identification.
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.
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 for everyone. Please do make our team aware if you know you have a poor credit score - it means we can find the right finance option more efficiently. Speak to one of our Sales Staff for more information.

What is PCP?: 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.
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.
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.

Still not sure which option is best for you?

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