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Total Cost of Credit
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5 Steps To Your New Car
Step 1
Complete Application Form to Check Eligibility
Step 2
Wait for Your approval
Step 3
Let Us Confirm Your Lender Options
Step 4
Let’s Find Your New Car
Step 5
We’ll Arrange Delivery or Collection of Your New Car
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Hire Purchase
What Is It and What Makes it Different?
The simplest form of finance – a loan linked to, and/or secured upon, the value of the car you’re buying. Your Finance Term and Repayments are both Fixed, so you always know what you’ll be paying.
PCP
What Is It and What Makes it Different?
Flexibility is the name of the game with a PCP agreement: when you reach the end of your finance term you can Hand The Car Back, Swap To a Newer Model or Pay a Balloon Payment to buy the car outright. No wonder it’s the UKs’ most popular form of Car Finance.
Conditional Sale
What Is It and What Makes it Different?
Much like Hire Purchase, a Conditional Sale is one of the simplest ways of financing your car. Unlike Hire Purchase, however, you’re committed to buying the car from the moment you pay your deposit. There is no option to hand the car back and no “Option To Purchase” fee.
Personal Loan
What Is It and What Makes it Different?
A Personal Loan is different to other forms of Car Finance in that it’s arranged directly with a Finance Provider, Separate from the Dealership or Retailer. They are usually Unsecured.
Reputable car finance specialists
At ChooseMyCar, we’re not just a trusted car buying service in the UK, but also your reliable ally in securing bad credit car finance. Fully authorised by the Financial Conduct Authority and SAF approved, our proficient team is committed to empowering individuals with bad credit through tailored financial solutions. We compare options from over 17 different secured car finance companies, ensuring you make informed decisions and find competitive rates to get back on the road with confidence.