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Hire Purchase, Lease or PCP: Our Lenders Make it Easy To Afford Your Next Car.
We’re rated Excellent on Trustpilot
4.9 out of 5 on 1774 Reviews
I was looking for a new car and looked…
I was looking for a new car and looked at a few different options for finance. They were very quick to respond and explained how I would be able to find the car I needed and were very helpful with every question I asked. It was processed quickly without a problem. Very friendly on the phone and offered support throughout process.
Very quick and easy experience I…
Sully was fantastic Very quick and easy experience I applied got accepted quickly and chose a car easily, my car is due to be delivered today
Saad was super helpful and made everything really easy for me. Always communicated and really looked for the best deal in my budget. Would definitely recommend!
Dean was amazing and provided a great service. I was unsure about the cars and regularly changed my mind but he didn’t seemed phased and was always happy to help. Extremely friendly and professional service. Thank you
Chris helped me make sure it was the…
Chris helped me make sure it was the right deal for me if I had any questions he was there to answer them
Brill customer service
Brill customer service, assisted in helping me find the right car for me, great customer service. I had a lad called Micheal assist me great asset for he company.
Dealt with Dean and he is so…
Dealt with Dean and he is so professional & very helpful. His knowledge and confidence helped in being able to find the right car.
craig was very helpful and knew his stuff when it came anything extra that needed to be sorted the whole experience was quick incisive and to the point thank you craig for sorting my new vehicle out
Our Mission Is To Make You Happy
You’re In safe hands
We thoroughly vet with the Dealerships and Lenders we work with to ensure you’re in safe hands every step of the way.
All our Lenders and Dealerships are approved and authorised by the Financial Conduct Authority.
Help you save money
We perform car value checks on your behalf so you never pay over market value. Our team is focused on saving you money and we have a constant eye on the used car market to ensure you get the best deals.
Whether you want a pink Ferrari or a yellow Honda Civic, we don’t care as long as you get the car you want at the right price, and finance that’s affordable for you.
Who Are ChooseMyCar
Real people checking the cars, looking at options and sorting delivery for you.
Real people doing the legwork to find finance and negotiate with dealerships.
Real people, here in the UK, taking all the hassle out of buying your next car with you personally.
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Frequently Asked Questions
Absolutely! Our team will guide you through the whole process, from arranging finance to securing your car and getting it delivered right to your door. It doesn’t matter where in the UK your car is when you buy it, we’ll arrange for it to be picked up and delivered to you as soon as the paperwork is complete – just tell us what you need.
At ChooseMyCar we understand that your Credit Score isn’t the whole story. Life changes. That’s why we work with specialist lenders to arrange Car Finance even if you’ve had bad Credit in the past. So long as you can demonstrate your ability to cover your repayments every month, we can get you the Car Finance you need.
A balloon payment, as you’d find in a PCP Finance agreement, is a voluntary final lump sum payment for buyers who want to buy their car outright at the end of their finance. The amount you pay is agreed at the start of your finance and the value of a car can go both up and down before the balloon payment is due. If the value of your car increases then you might be quids in on a balloon payment. If it depreciates more than you expect then your lender may get the better deal.
Either way, by splitting the cost into three parts in a PCP arrangement your Monthly cost will be significantly less than with a Hire Purchase deal. You also get a choice to move onto another vehicle or give the car back, skipping the balloon payment entirely.
That depends on the dealership but most dealerships will include one – though it may only last 12 months. It may also be that your car is still covered by its original warranty, especially if it’s under 3 years old when you buy it. Some Hyundai and Kia models have a warranty as long as 5 years. Electric cars often have powertrain warranties stretching to 8 years..
Check with your dealership if you’re looking for a warranty on a used car.
The interest rate and fees (APR) you’ll be charged on your Finance will depend on a number of factors, including your credit rating. The lowest APR we currently offer is as low as 9.9% on a PCP deal. For a car worth £20,000 and a downpayment of £2000 over Four years will cost £350 a month.