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When you’re going to finance a car, you need to decide which finance option suits your circumstances. You’ll need to think about things like what you want to do with the vehicle at the end of the agreement and the terms and conditions of each loan.
There isn’t a ‘best’ contract type, but there is one that’ll suit your needs more than the others.
| Hire Purchase (HP) | Personal Contract Purchase (PCP) | Personal Contract Hire (PCH) | |
| Deposit or part exchange needed | No | No | No |
| Monthly payments | Yes | Yes | Yes |
| Balloon payment at the end | No | Yes | No |
| Excess mileage charges | Yes | Yes | No |
| Secured (against the car) | Yes | Yes | Yes |
| You own the vehicle from the start | You never own the car | No | No |
| You own the vehicle at the end | No | No - unless you pay the balloon payment | Yes |
We understand that not everyone is in a position where they feel confident they’ll get a car finance deal at all, so we work with specialist bad credit lenders that help people from various financial backgrounds.
We’ve built a reputation as a specialist bad credit and no deposit broker, and we’re incredibly proud to provide all our vehicles without a deposit. It means you can compare finance deals, knowing you don’t have to save up before applying!
Learn more about bad credit financeWe’ll compare deals from our panel of specialist lenders and find you the best deals available.We offer a complete service – get your finance deal and vehicle with us; there’s no need to deal with a third party!Access various finance contracts, such as personal contract purchase, hire purchase, lease purchase and personal contract hire.All our cars are Approved Used, so you can guarantee you’ll get a quality vehicle.Get a great deal whether you’re a business or an individual – we help everyone!Find a deal and check your eligibility in minutes.We help people from all financial backgrounds, such as bad credit and bankruptcy.Comparing deals with us is free, so start comparing now!Based on a Hire Purchase (HP) agreement. We expect more than 51% of our customers to achieve this rate.
All pictures and/or photos and car descriptions on this site are for illustration and reference purposes only and are not necessarily the vehicle on offer. All offers are subject to change at any time and are subject to finance approval and vehicle availability. All prices correct at time of publication. E & OE.
Hippo Vehicle Solutions Limited t/a Hippo Finance is authorised and regulated by the Financial Conduct Authority. FRN 658076. Company number 06215364, registered company address – Unit 26, Trident Park, Trident Way, Blackburn, BB13NU. We are a Credit Broker not a Lender and can introduce you to a limited number of lenders. Subject to status and to UK residents only (excl. the Channel Islands). Individuals must be 18 or over. Guarantees and indemnities may be required. We typically receive a commission for introducing you to a lender, the commission we receive may be preset but can vary and impact the amount payable. Images for illustrative purposes only. Hippo Vehicle Solutions Limited t/a Hippo Finance is an Appointed Representative of AutoProtect (MBI) Limited for insurance distribution purposes. AutoProtect (MBI) Limited is authorised and regulated by the Financial Conduct Authority. Its firm reference number is 312143. You can check this at www.fca.org.uk
* Only a soft check is carried out when you complete this finance check which won’t affect your credit score. However, if you choose to proceed and order a vehicle, a full credit check will be carried out.
** Delivery and collection times are dependant on your vehicle being ready when you place your order. If your vehicle is still being prepared then these times may be extended.
*** We offer you a 14 day money back guarantee, meaning you’re not stuck in the remainder of your contract, if you change your mind once you’ve signed your documents. But this is subject to a cancellation fee which is £600.
We endeavour to ensure that all information including the specifications and finance availability are accurate. Whilst we make every effort to display correct information we are aware that errors may occur occasionally. We are not able, therefore, to guarantee the accuracy of all information especially when given to us by third parties. If you do require clarification of some information you have seen on our website, please email us at [email protected]. This does not affect your statutory rights.
Our registered office is Unit 26 Trident Park, Trident Way, Blackburn, BB1 3NU.
When completing an application on this site we will automatically check your eligibility across a range of finance & leasing products to provide you with the best selection of options that we can. Below is a Representative Examples of our HP finance options for comparison, we expect more than 51% of customers to achieve the rates shown.
Representative Example Of Credit (Hire Purchase)
Hire Purchase (HP) Finance Example: Cash Price £12,480.00 Total Deposit £1,140.00. Total Amount of Credit £11,340.00. 60 monthly repayments of £284.50. Interest Charges of £5,730.00 Total Amount Payable £18,309.00. Annual Fixed Interest Rate of 11.1%. Representative APR 18.9%.
