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.

Highfield Motors Limited is a credit broker and not a lender.

WE WILL RECEIVE A COMMISSION FOR INTRODUCING THIS TRANSACTION TO THE LENDER. The amount is available from us on request. This will be disclosed during the process, the exact stages will vary by lender.
Highfield Motors Ltd T/A Wheatley Car Centre & Sturdys Castle Car Centre are an Appointed Representative of Automotive Compliance Ltd, who is authorised and regulated by the Financial Conduct Authority (FCA No 497010). Automotive Compliance Ltd’s permissions as a Principal Firm allows Highfield Motors Ltd T/A Wheatley Car Centre & Sturdys Castle Car Centre to act as a credit broker, not as a lender, for the introduction to a limited number of lenders and to act as an agent on behalf of the insurer for insurance distribution activities only. We are a credit broker and not a lender. We can introduce you to a limited number of lenders and their finance products. We are not an independent financial advisor and we act as their agent for this introduction. We may advise you on the products, subject to your personal circumstances, though you are not obliged to take our advice or recommendation. We do not charge you a fee for our services. Whichever lender we introduce you to, we will typically receive commission from them (either a fixed fee or a fixed percentage of the amount you borrow). For your reassurance, all of the lenders we work with could pay commission at different rates, but the commission we receive does not influence the interest rate you will pay. Our aim is to secure finance for you at the lowest interest rate you are eligible for from our panel of lenders. If you ask us what the amount of commission is, we will tell you in good time before the Finance agreement is executed. All finance applications are subject to status, terms and conditions apply, UK residents only, 18’s or over. Guarantees may be required. Registered in England & Wales: 04713107 Registered Office: Address: First Floor, 138-144 London Road, Wheatley Oxford, Oxfordshire, OX33 1JH Data Protection No: ZA030996