Finance Options: HP & PCP

At Wheatley Car Centre & Sturdys Castle Car Centre, we understand that purchasing a vehicle is a significant investment. That’s why we offer flexible finance options to suit your needs. Whether you’re looking for straightforward ownership or lower monthly payments, we have the perfect solution for you.

Hire Purchase (HP)

Hire Purchase (HP) is a popular choice for those who want to own their vehicle outright at the end of the agreement. With HP, you pay an initial deposit followed by fixed monthly payments. Once the final payment is made, the car is yours.

Benefits of HP:

• Fixed monthly payments make budgeting easier
• No mileage restrictions
• Full ownership at the end of the term
• Flexible deposit options

Personal Contract Purchase (PCP)

Personal Contract Purchase (PCP) offers lower monthly payments compared to HP by deferring part of the car’s cost to the end of the agreement. At the end of the term, you have three choices:

1. Pay the optional final payment to own the car
2. Return the car with no further obligation (subject to mileage and condition)
3. Part-exchange the car for a new one

Benefits of PCP:

• Lower monthly payments
• Flexible end-of-agreement options
• Ability to upgrade to a newer vehicle more frequently

Our Lenders

We work with a range of trusted finance providers to ensure you get competitive rates and flexible terms that work for you. Our lending partners include:

• Admiral Finance
• MotoNovo Finance
• Motion Finance
• Mann Island Finance

Competitive Rates Starting from 8.9% APR

We offer competitive finance rates starting from 8.9% APR, ensuring affordable and transparent finance solutions. Our team is here to help you find the best deal tailored to your budget and needs.
Get Started Today

Interested in financing your next vehicle? Contact us today to discuss your options and find a finance plan that works for you.