Customise your car finance

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

Search within your monthly budget

(Based on a term of 60 months)

Car finance at Arnold Clark

Low rate finance at 8.9% APR representative

We offer the same low rate 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.
Watch PCP animation

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.

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.
Watch HP animation

Still not sure which finance option is best for you?

Find out more

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!

Frequently asked questions

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.


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 product consultants. 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. Just let us know if you know you have a poor credit score – it means we can efficiently find a finance option to suit you. 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.