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A straight-forward option, simple to understand and with the ultimate option of owning the car outright at the end of the loan.

Hire  Purchase is a very  popular way for our customers to finance a new or used car.

It’s also one of  the easiest ways to finance a car after a straight-forward bank loan.

With a Hire Purchase  agreement you sometimes have to pay a deposit but not always.   If you do pay a deposit typically it will vary  from  10% of the purchase price  of the car upwards.

After paying  your deposit, you will agree to monthly payments which are for a fixed amount and  spread over an agreed period of time from as little as 12 months to as much as 60  months

Whilst you are making your monthly finance payments, your car will be ‘owned’ by your Lender.

When your last monthly payment has been made you can make an ‘option to purchase’ fee – the amount of which has been agreed when you first signed the finance agreement.  Once this has been done you are officially the owner of the car and you can legally sell the car on to a 3rd party.

The finance  agreement is secured against  the car.   If you default on a payment only the car will be taken and none other of your personal assets.

You can sell your car before the agreement has  ended, but you will have to settle the outstanding debt (often  called the settlement figure) first.

Sometimes though, early settlement fees apply so it is really important to read the small print if you ever think you might be in a position to settle the finance agreement early.


Hire  Purchase  is the right choice for you if you answer yes to one or more of the following statements

  1. YES – I would like to own the car outright at the end of the agreement
  2. YES – I like the idea of knowing exactly how much will be debited from my bank account every month
  3. YES – I only want to take low-risk credit, only the car will be secured against the loan and not my house
  4. YES – I don’t mind not fully owning the car until the last repayment has been made


Arranging car Hire Purchase  is  simple  and straight-forward with us.

Contact us

today for further information.

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  • Porsche 911 (996) C2S 2011
    £ 12,995 17/03/2017

    Regulated Hire Purchase

    Company Director

  • Range Rover Vogue 2013
    £ 55,000 28/12/2016

    Hire Purchase

    IT Contractor

  • Ferrari Enzo 2004
    £ 1,250.000 02/12/2016

    Hire Purchase

    Property Developer

  • Porsche 911 (996) Carrera 4 2001
    £ 15,100 18/11/2016

    Hire Purchase

    Company Director

  • Porsche 911 (997) Carrera 2 S 2010
    £ 41,000 14/11/2016

    Hire Purchase

    Clothing Wholesaler

  • Morgan Aero 8 2016
    £ 91,000 08/11/2016

    Hire Purchase

    Company Director

  • Mercedes Benz E63 AMG 2015
    £ 68,750 08/09/2016

    Hire Purchase


  • Jaguar XK150 1957
    £ 65,00 19/08/2016

    Hire Purchase

    Company Director

  • Porsche 911 Cabriolet 2005
    £ 22,995 03/08/2016

    Conditional Sale Agreement

    IT Consultant

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  • Thanks for all your work Andy. As usual you and your team were super responsive, super efficient and did an excellent job ...

  • Having dealt with Fast Car Finance previously and having the whole process explained to me in plain English, I had no hesitation in returning to them to help finance my next purchase. As expected, the service was excellent . Thank you for holding my hand once again and I’ll be in touch for the next ...

  • Excellent. From my first purchase of my Ferrari a few years ago, then my Aston, to my most recent purchase, Andy has been awesome. Always available for any questions I have, always quick to reply – even at unsociable times. Even when my imagination runs wild Andy is always on hand to provide me quotes ...

  • … my experiences have all been very positive, and I would gladly use the guys again. They have also been a big help working in an advisory role. Steve has helped me out on 2 vehicle purchases this year and on both occasions FCF have worked quickly and effectively to come up with the most ...

  • Thanks Andy – another super job. I know where to come for my numerous car finance needs in the future ...

  • I really appreciated Andy’s professional attitude, ability to find a deal that suited me, his hands-on approach to the paperwork and the personal touch of visiting me at my office in London ...

  • All I have to say is a very excellent service and would recommend you to anyone. Thanks ...

  • Always Fast and Friendly… ...

  • I’ve dealt with Steve for both my transactions and I have to say he’s been brilliant. In both instances he has dealt with almost everything from start to finish with no impact on my busy schedule – no problems and minimal fuss ...

  • I have only dealt with Steve but I can report that he has been professional, courteous and efficient at all times. I would have no reservations in recommending Steve and Fast Car Finance to anyone ...



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